Buy Cheap Dodge Ram 3500 Auto Insurance in 2024
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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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
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UPDATED: Jun 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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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 |
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 |
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 | |
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 | ||||
|---|---|---|---|---|
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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Frequently Asked Questions
What factors can impact the cost of auto insurance for a Dodge Ram 3500?
Several factors can affect the cost of auto insurance for a Dodge Ram 3500. These factors include your driving history, age, location, credit score, the model and year of your Dodge Ram 3500, the coverage options you choose, and the deductible amount. Insurance providers also consider the vehicle’s safety features, repair costs, and theft rates when determining the premium.
Are there any specific discounts available for Dodge Ram 3500 auto insurance?
Yes, there are various discounts that may be available for Dodge Ram 3500 auto insurance. These can include safe driver discounts, multi-policy discounts for bundling your auto insurance with other policies, good student discounts, and discounts for vehicles equipped with safety features like anti-lock brakes, airbags, and anti-theft systems. It’s recommended to check with your insurance provider to learn about the specific discounts you may qualify for.
What are the recommended coverage options for insuring a Dodge Ram 3500?
The recommended coverage options for insuring a Dodge Ram 3500 typically include liability coverage, which is required by law and covers injuries or damages you cause to others in an accident. Comprehensive and collision coverage can help protect your vehicle against theft, vandalism, accidents, and other non-collision incidents. Uninsured/underinsured motorist coverage is also advisable to protect yourself if you’re involved in an accident with an uninsured or underinsured driver.
How can I find affordable auto insurance for my Dodge Ram 3500?
To find affordable auto insurance for your Dodge Ram 3500, consider the following tips:
- Shop around and compare quotes from multiple insurance providers to find the best rates.
- Maintain a clean driving record by avoiding accidents and traffic violations.
- Inquire about available discounts and take advantage of those you qualify for.
- Adjust your coverage options and deductibles based on your specific needs and budget.
- Consider installing additional safety features in your vehicle to potentially lower your premium.
Are there any specific considerations for insuring a heavy-duty truck like the Dodge Ram 3500?
Insuring a heavy-duty truck like the Dodge Ram 3500 may come with additional considerations. These trucks often have higher repair costs and may be used for commercial or work purposes, which can impact insurance rates. Insurance providers may take these factors into account when determining premiums. It’s important to discuss your vehicle’s specifications, usage, and intended purpose with your insurance provider to ensure you have appropriate coverage.
Does the location where I live affect the cost of insurance for a Dodge Ram 3500?
Yes, the location where you live can impact the cost of insurance for a Dodge Ram 3500. Insurance providers consider factors such as the local traffic conditions, crime rates, and the likelihood of accidents or theft in your area. If you live in an area with higher risks, you may have higher insurance premiums. However, you can still find affordable insurance options by comparing quotes and exploring discounts.
Can I save money on insurance by taking a defensive driving course for my Dodge Ram 3500?
Yes, completing a defensive driving course can often lead to insurance discounts. Defensive driving courses provide valuable knowledge and skills that can help reduce the risk of accidents. Many insurance providers offer discounts to drivers who have successfully completed an approved defensive driving course. Contact your insurance provider to inquire about potential discounts and recommended course options.
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.