Dodge Ram 3500 Insurance Rates

U.S. average insurance prices for a Dodge Ram 3500 are $1,300 every 12 months with full coverage. Comprehensive costs on average $220 a year, collision costs $288, and liability coverage costs around $592. Buying just liability costs as low as $652 a year, with insurance for high-risk drivers costing around $2,790. Teen drivers pay the highest rates at $5,190 a year or more.

Average premium for full coverage: $1,300

Price estimates by individual coverage:

Price estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and Ram 3500 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on auto insurance rates. Rural areas have more infrequent collision claims than larger metro areas.

The diagram below illustrates how location impacts car insurance rates.

The ranges above demonstrate why it is important to compare prices based on a specific location and their own driving history, rather than using price averages.

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

Rates by State, City, and Model

The chart below details estimated Dodge Ram 3500 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $788
• Using higher $1,000 deductibles will save around $1,184 annually
• The average price for the average middle-age driver with $500 deductibles is $1,300
• Choosing low $100 deductibles for physical damage coverage increases the price to $1,520
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,790 or more
• The price to insure a teenage driver may cost $5,190 or more

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Insurance prices for a Dodge Ram 3500 are also quite variable based on deductibles and policy limits, your driving record, and the trim level of your Ram 3500.

Choosing high deductibles could cut prices by as much as $340 a year, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $639 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,200 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay upwards of $5,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at a minimum $1,500 to $2,200 additional each year, depending on your age. A high-risk auto insurance policy can be around 42% to 129% more than average. View High Risk Driver Rates

The state you live in has a huge impact on Dodge Ram 3500 insurance rates. A driver around age 40 might see prices as low as $930 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,750 on average in Florida, Michigan, and New York.

View Chart as Image

Since prices can be so different, the best way to find out exactly what you will pay is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, and prices may be quite different.

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 Shop for Cheaper Dodge Ram 3500 Insurance

Getting lower rates on auto insurance requires not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Spend time shopping around at every other renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following is a condensed summary of the concepts that were touched on above.

• Drivers with multiple at-fault accidents may pay on average $1,490 more each year for Ram 3500 insurance
• Teens pay higher prices, costing up to $433 a month if full coverage is included
• You may be able to save as much as $150 per year simply by quoting early and online
• Increasing physical damage deductibles could save as much as $325 each year
• You may be able to save as much as $150 per year simply by quoting early and online