Dodge Ram 3500 Insurance Rates

The average auto insurance rates for a Dodge Ram 3500 are $1,300 annually for full coverage. Comprehensive costs approximately $220 a year, collision insurance costs $288, and liability is estimated at $592. A liability-only policy costs approximately $652 a year, and high-risk insurance costs around $2,790. Teens cost the most to insure at up to $5,190 a year.

Average premium for full coverage: $1,300

Policy rates by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Ram 3500 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Rural locations are shown to have fewer accident claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on auto insurance prices.

The examples above show why it is important to get quotes using their specific location and their own personal driving habits, instead of using averaged prices.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below shows average Dodge Ram 3500 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $788
• Choosing higher $1,000 deductibles can save $1,184 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,300
• Selecting low $100 deductibles for comp and collision coverage will cost $1,520
• Unlucky drivers with serious driving violations could pay around $2,790
• Policy cost with full coverage for a teen driver can cost $5,190 each year

View Chart as Image

Car insurance rates for a Dodge Ram 3500 also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged in the ballpark of $5,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,500 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy ranges as much as 42% to 129% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $340 every year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $639 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Dodge Ram 3500 insurance prices. A good driver about age 40 could pay as low as $860 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,850 on average in New York, Louisiana, and Michigan.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2012 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Buy Cheaper Dodge Ram 3500 Insurance

Finding cheaper rates on car insurance takes having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and attention to physical damage deductibles. Take the time to compare rates every other policy renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a condensed summary of the ideas that were covered in the above illustrations.

• 16 to 18-year-old drivers pay the highest auto insurance rates, costing up to $433 each month if comprehensive and collision insurance is included
• Higher risk drivers with multiple at-fault accidents pay on average $1,490 more per year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles could save up to $325 each year
• Drivers can save around $150 per year just by quoting early and online