Dodge Ram 3500 Insurance [How to Find Cheap Rates]

Car insurance rates for a Dodge Ram 3500 average $1,448 a year, or around $121 a month. You can find cheap Dodge Ram 3500 insurance rates if you are a good driver—Mature drivers with good driving records may find rates as low as $851 a year.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 1, 2020

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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

Are you seeking cheap Dodge Ram 3500 insurance rates? Full coverage for a Dodge Ram 3500 costs around $1,448 a year or $121 each month. Our guide goes over insurance rates for a Dodge Ram 3500 in detail so that drivers can find savings easier.

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 Dodge Ram, Chevrolet Silverado 3500HD, and Nissan Frontier.

Vehicle Comprehensive Collision Liability Total
Dodge Ram $362 $562 $420 $1,524
Chevrolet Silverado 3500HD $404 $656 $420 $1,660
Nissan Frontier $294 $500 $420 $1,394
Ford F-150 $322 $470 $372 $1,322
Honda Ridgeline $306 $536 $450 $1,472
GMC Sierra 3500HD $376 $656 $420 $1,632
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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 rates for a 2010 Dodge Ram 3500 are $1,448.

Model Year Comprehensive Collision Liability Total
2010 Dodge Ram 3500 $268 $400 $580 $1,448
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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 Los Angeles may pay $796 a year more than drivers in Phoenix.

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 Ratings

Your Dodge Ram 3500 car insurance rates are tied to the safety ratings of the Dodge Ram 3500. See the breakdown below:

Test Type Rating
Small overlap front: driver-side N/R
Small overlap front: passenger-side N/R
Moderate overlap front N/R
Side N/R
Roof strength N/R
Head restraints and seats N/R
Source: Insurance Institute for Highway Safety
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Dodge Ram 3500 Crash Test Ratings

Poor Dodge Ram 3500 crash test ratings could mean higher Dodge Ram 3500 car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
Dodge Ram 3500 N/R N/R N/R N/R
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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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:

  • Adaptive Forward Lighting System
  • Forward Collision Warning with Active Braking
  • Available Adaptive Cruise Control with Stop
  • Blind-Spot Monitoring system
  • Rear Cross Path Detection
  • Parksense® Front and Rear Park Assist
  • Lane Departure Warning

Dodge Ram 3500 Finance and Insurance Cost

If you are financing a Dodge Ram 3500, you will pay more if you purchase Dodge Ram 3500 car insurance at the dealership, so be sure to shop around and compare Dodge Ram 3500 car insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Dodge Ram 3500 Insurance

Although it may seem like your Dodge Ram 3500 car insurance rates are set, there are a few measures that you can take to secure the best Dodge Ram 3500 car insurance rates possible. Take a look at the following five ways to save on Dodge Ram 3500 auto insurance.

  • Use an Accurate Job Title When Requesting Dodge Ram 3500 Auto Insurance
  • Use Paperless Billing for Your Dodge Ram 3500 Insurance Policy
  • Move to an Area with Better Weather
  • Ask About Seasonal Insurance for Your Dodge Ram 3500
  • Take a Defensive Driving Course or Any Driver’s Education Course

Top Dodge Ram 3500 Insurance Companies

Who is the top car insurance 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 auto 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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Save on your Dodge Ram 3500 car insurance rates by taking advantage of our FREE comparison tool.

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