Compare Dodge Ram 3500 Car Insurance Rates [2026]
Average Dodge Ram 3500 auto insurance rates cost $1,448 a year, or around $121 a month. Comprehensive, collision, and liability insurance cost around $353, $515, and $409, respectively.
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Insurance Content Team Lead
Tonya Sisler has been a technical insurance writer for over five years. She uses her extensive insurance and finance knowledge to write informative articles that answer readers' top questions. Her mission is to provide readers with timely, accurate information that allows them to determine their insurance needs and choose the best coverage. Tonya currently leads a team of 10 insurance copywrite...
Tonya Sisler
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Brandon Frady
Updated December 2023
Key takeaways:
- Full coverage costs around $1,448 a year or $121 each month
- A liability-only policy costs around $580 a year or $48 each month
- Highest rates are for teenage drivers at around $5,292 a year or $441 each month
- Good drivers can save as much as $597 a year by earning policy discounts
- Dodge Ram 3500 insurance costs around $71 less per year than the average vehicle
Dodge Ram 3500 insurance rates are about $71 lower than the average vehicle. Typically, it’ll cost you around $1,448 a year or $121 a month, but good drivers can save up to $597 a year with policy discounts, and liability-only coverage is only $48 per month. We’ll go over what factors influence your RAM 3500 rates, safety features, and more.
You can start comparing quotes for Dodge Ram 3500 car insurance rates from some of the best car insurance companies by using our free online tool now.
Dodge Ram 3500 Insurance Cost
The average Dodge Ram 3500 car insurance costs are $1,448 a year or $121 a month.
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Are Dodge Ram 3500s Expensive to Insure?
The chart below details how Dodge Ram 3500 insurance rates compare to other trucks like the Ford F-150, Honda Ridgeline, and Chevrolet Silverado 2500HD.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Ford F-150 | $322 | $470 | $372 | $1,322 |
| Honda Ridgeline | $306 | $536 | $450 | $1,472 |
| Chevrolet Silverado 2500HD | $362 | $688 | $420 | $1,650 |
| Nissan Frontier | $294 | $500 | $420 | $1,394 |
| Chevrolet Silverado 3500HD | $404 | $656 | $420 | $1,660 |
| GMC Sierra | $336 | $594 | $372 | $1,460 |
However, there are a few things you can do to find the cheapest Dodge insurance rates online.
What Impacts the Cost of Dodge Ram 3500 Insurance?
The Dodge Ram 3500 trim and model you choose can impact the total price you will pay for Dodge Ram 3500 car insurance coverage.
Age of the Vehicle
Older Dodge Ram 3500 models generally cost less to insure. For example, car insurance for a 2010 Dodge Ram 3500 costs $1,448, while 2010 Dodge Ram 3500 insurance costs are $1,448, a difference of $.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2010 Dodge Ram 3500 | $268 | $400 | $580 | $1,448 |
Driver Age
Driver age can have a significant impact on the cost of Dodge Ram 3500 auto insurance. For example, 20-year-old drivers pay approximately $1,771 each year for their Dodge Ram 3500 auto insurance than 30-year-old drivers.
Driver Location
Where you live can have a large impact on Dodge Ram 3500 insurance rates. For example, drivers in Phoenix may pay $796 a year less than drivers in Los Angeles.
Your Driving Record
Your driving record can have an impact on the cost of Dodge Ram 3500 car insurance. Teens and drivers in their 20’s see the highest jump in their Dodge Ram 3500 auto insurance rates with violations on their driving record.
Dodge Ram 3500 Safety Features
The more safety features you have on your Dodge Ram 3500, the more likely it is that you can earn a discount. The Dodge Ram 3500’s safety features include:
- Available automated emergency braking with forward-collision warning
- Available blind-spot monitoring with rear cross-traffic assist
- Available adaptive cruise control
Dodge Ram 3500 Finance and Insurance Cost
If you are financing a Dodge Ram 3500, most lenders will require your carry higher Dodge Ram 3500 coverages including comprehensive coverage, so be sure to compare Dodge Ram 3500 car insurance rates from the best companies using our FREE tool below.
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Ways to Save on Dodge Ram 3500 Insurance
You can save more money on your Dodge Ram 3500 auto insurance rates by employing any of the following five strategies.
- Improve Your Credit Score
- Get Dodge Ram 3500 Auto Insurance Through Costco
- Use Paperless Billing for Your Dodge Ram 3500 Insurance Policy
- Ask About Welcome Discounts
- Ask About Farm and Ranch Vehicle Discounts
Top Dodge Ram 3500 Insurance Companies
Who is the best company for Dodge Ram 3500 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Dodge Ram 3500 insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Dodge Ram 3500 offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | 46,106,971 | 6.6 |
| 3 | Progressive | 39,222,879 | 5.6 |
| 4 | Liberty Mutual | 35,600,051 | 5.1 |
| 5 | Allstate | 35,025,903 | 5.0 |
| 6 | Travelers | 28,016,966 | 4.0 |
| 7 | USAA | 23,483,080 | 3.3 |
| 8 | Chubb | 23,388,385 | 3.3 |
| 9 | Farmers | 20,643,559 | 2.9 |
| 10 | Nationwide | 18,442,145 | 2.6 |
| Source: Insurance Information Institute | |||
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Frequently Asked Questions
Can I get discounts on Dodge Ram 3500 insurance?
Yes, many insurance companies offer discounts for factors such as safe driving records, bundling policies, anti-theft devices, and completing defensive driving courses.
Is it cheaper to get liability-only coverage for my Dodge Ram 3500?
Yes, liability-only coverage is typically cheaper than full coverage. It provides coverage for damages you cause to others, but not for damages to your own vehicle.
Does the color of my Dodge Ram 3500 affect insurance rates?
No, the color of your vehicle does not usually impact insurance rates. Insurers primarily consider factors such as make, model, age, and driving history.
Will modifications to my Dodge Ram 3500 affect insurance rates?
Yes, certain modifications, such as engine enhancements or lift kits, may increase insurance rates. It’s important to inform your insurance company about any modifications.
Can I get temporary insurance coverage for my Dodge Ram 3500?
Yes, some insurance companies offer temporary or short-term coverage options, which can be useful for specific situations, such as renting or borrowing a Dodge Ram 3500.
What should I do if my Dodge Ram 3500 is stolen?
If your Dodge Ram 3500 is stolen, you should immediately contact the police to file a report and then inform your insurance company to initiate a claim.
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