RAM 5500 Insurance Cost

Auto insurance for a RAM 5500 will cost about $2,327 per year.

This is more than the national average for popular heavy-duty models by $260. 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.

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. Visit our Competitive Quote Tool to see if you can find lower rates for a 5500.

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

These RAM 5500 insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.

RAM 5500 insurance Cost

Age Good Driver Recent Accident Poor Credit
17 $7,882 $11,741 $13,878
18 $7,346 $10,941 $12,934
19 $6,492 $9,669 $11,430
20 $5,660 $8,431 $9,966
21 $4,747 $7,070 $8,358
22 $4,623 $6,886 $8,140
23 $4,045 $6,025 $7,122
24 $3,843 $5,724 $6,766
25 $3,316 $4,940 $5,839
30 $2,583 $3,848 $4,549
35 $2,420 $3,604 $4,260
40 $2,327 $3,466 $4,097
45 $2,264 $3,373 $3,987
55 $2,077 $3,093 $3,657
65 $2,166 $3,227 $3,814
75 $2,734 $4,072 $4,814

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 $2,466 $3,454 $4,323
Alaska $2,039 $2,970 $3,112
Arizona $2,306 $3,577 $5,100
Arkansas $2,528 $3,829 $4,283
California $2,814 $4,922 $2,814
Colorado $2,626 $3,636 $4,536
Connecticut $3,355 $5,188 $6,645
Delaware $2,778 $3,825 $5,078
Florida $3,308 $4,493 $5,857
Georgia $2,696 $4,156 $4,264
Hawaii $1,077 $1,487 $1,077
Idaho $1,871 $2,519 $3,135
Illinois $1,959 $2,895 $3,358
Indiana $2,012 $3,145 $3,670
Iowa $1,594 $2,391 $2,786
Kansas $2,121 $3,122 $3,698
Kentucky $3,066 $4,611 $5,423
Louisiana $3,935 $6,014 $6,475
Maine $1,488 $1,996 $2,912
Maryland $2,408 $3,531 $4,170
Massachusetts $1,931 $3,266 $1,931
Michigan $4,660 $7,006 $10,772
Minnesota $1,918 $2,577 $3,815
Mississippi $2,316 $3,498 $3,695
Missouri $2,182 $3,005 $3,887
Montana $2,219 $3,472 $3,829
Nebraska $1,875 $2,655 $3,020
Nevada $3,093 $4,669 $5,122
New Hampshire $2,152 $3,468 $4,416
New Jersey $2,371 $3,738 $4,822
New Mexico $2,421 $3,484 $3,912
New York $2,242 $2,920 $4,714
North Carolina $1,390 $2,244 $1,729
North Dakota $1,902 $2,928 $3,717
Ohio $1,696 $2,774 $2,874
Oklahoma $2,709 $4,067 $4,613
Oregon $2,465 $3,723 $4,271
Pennsylvania $2,076 $3,139 $3,603
Rhode Island $3,466 $5,319 $6,083
South Carolina $2,354 $3,407 $4,861
South Dakota $2,112 $2,906 $3,486
Tennessee $2,484 $3,715 $4,688
Texas $2,501 $3,682 $4,621
Utah $2,128 $3,077 $4,244
Vermont $1,638 $2,619 $2,863
Virginia $1,543 $2,323 $2,468
Washington $2,043 $3,069 $3,618
West Virginia $2,055 $2,993 $3,696
Wisconsin $2,049 $2,991 $3,633
Wyoming $1,913 $2,811 $3,142

Other Important Costs of Owning a RAM 5500

Insurance is a major vehicle related expense. There are also some others to be aware of. See our cost analyses on RAM 5500 depreciation, maintenance and financing. These will provide you with even more knowledge before making such an important financial decision.

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