RAM 5500 Insurance Cost

Auto insurance for a RAM 5500 will cost about $2,173 per year.

This is more than the national average for popular heavy-duty models by $279. Our car insurance comparison study assumes a 40 year old good driver with full coverage and good credit that drives around 13,000 miles per year. They also assume a single-car policy on a brand-new vehicle, and won't reflect any multi-car discounts.

Auto insurance premiums vary a great deal by age, state, insurance company and mileage. Factors such as recent accidents, traffic violations, credit history also impact these rates. The following chart illustrates how some of these scenarios affect the cost of car insurance for a RAM 5500.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

RAM 5500 insurance rates can also differ significantly between providers for the same coverage. If you've been with your current insurance company for more than a few years, you should get new quotes to make sure you're not overpaying. Try our Competitive Quote Tool or the form below to get free quotes to lower your insurance costs. Advertising Disclosure

RAM 5500 Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $7,359 $10,807 $12,642
18 $6,859 $10,071 $11,782
19 $6,061 $8,900 $10,412
20 $5,285 $7,760 $9,079
21 $4,432 $6,508 $7,613
22 $4,316 $6,338 $7,415
23 $3,777 $5,546 $6,488
24 $3,588 $5,269 $6,164
25 $3,096 $4,547 $5,319
30 $2,412 $3,542 $4,143
35 $2,259 $3,317 $3,881
40 $2,173 $3,190 $3,732
45 $2,114 $3,104 $3,632
55 $1,939 $2,847 $3,331
65 $2,022 $2,970 $3,474
75 $2,553 $3,749 $4,385

RAM 5500 car insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect RAM 5500 by state.

RAM 5500 Insurance Rates by State

State Good Driver Recent Accident Poor Credit
Alabama $2,302 $3,343 $4,256
Alaska $1,904 $2,640 $2,566
Arizona $2,153 $3,112 $4,585
Arkansas $2,360 $3,708 $4,083
California $2,628 $4,647 $2,628
Colorado $2,452 $3,432 $4,354
Connecticut $3,133 $4,859 $6,168
Delaware $2,594 $3,457 $4,440
Florida $3,088 $4,272 $5,567
Georgia $2,518 $3,765 $3,796
Hawaii $1,006 $1,365 $1,006
Idaho $1,747 $2,316 $2,816
Illinois $1,829 $2,764 $3,152
Indiana $1,879 $2,872 $3,223
Iowa $1,488 $2,041 $2,400
Kansas $1,980 $2,881 $3,369
Kentucky $2,862 $4,201 $4,962
Louisiana $3,674 $5,554 $6,022
Maine $1,389 $1,921 $2,835
Maryland $2,248 $3,272 $3,635
Massachusetts $1,803 $3,145 $1,803
Michigan $4,351 $6,631 $10,458
Minnesota $1,791 $2,388 $3,363
Mississippi $2,162 $3,084 $3,104
Missouri $2,037 $2,913 $3,826
Montana $2,071 $2,890 $3,364
Nebraska $1,751 $2,589 $2,813
Nevada $2,888 $4,284 $4,525
New Hampshire $2,009 $3,177 $4,016
New Jersey $2,213 $3,473 $4,544
New Mexico $2,260 $3,362 $3,490
New York $2,094 $2,636 $4,401
North Carolina $1,298 $2,230 $1,590
North Dakota $1,776 $2,699 $3,192
Ohio $1,584 $2,443 $2,505
Oklahoma $2,529 $3,621 $4,077
Oregon $2,301 $3,088 $3,688
Pennsylvania $1,938 $2,846 $3,330
Rhode Island $3,236 $4,747 $5,346
South Carolina $2,198 $3,046 $4,204
South Dakota $1,972 $2,841 $3,279
Tennessee $2,319 $3,414 $4,546
Texas $2,336 $3,374 $4,197
Utah $1,987 $2,784 $3,831
Vermont $1,529 $2,355 $2,489
Virginia $1,441 $2,212 $2,168
Washington $1,907 $2,588 $3,091
West Virginia $1,919 $2,748 $3,443
Wisconsin $1,913 $2,986 $3,406
Wyoming $1,786 $2,500 $2,662

RAM 5500 Insurance Rankings

Insurance Rankings

We've ranked over 200 models from best to worst for Insurance. See where the RAM 5500 ranks for Insurance compared to other vehicles. Also check out how the 5500 stacks up in our rankings for Depreciation, Maintenance, Overall Costs.

Insurance Rankings

Other RAM 5500 Costs of Ownership

Finding a car or truck that saves on insurance costs is important. But, it's also imperative to view all major RAM 5500 costs. This will ensure that you are finding the vehicle that provides you the best value, at the lowest cost. We've created tools that will also help you to save on the following ownership expenses: