Dodge Ram 3500 Insurance Rates

The average insurance rates for a Dodge Ram 3500 are $1,346 a year with full coverage. Comprehensive costs approximately $236, collision costs $314, and liability insurance is estimated at $596. Liability-only insurance costs approximately $656 a year, with high-risk driver insurance costing around $2,894. Teenage drivers cost the most to insure at $5,346 a year or more.

Average premium for full coverage: $1,346

Policy rates by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for all Ram 3500 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. Rural locations are shown to have lower incidents of collision claims than densely populated cities.

The example below illustrates the difference location can make on auto insurance prices.

The examples above demonstrate why everyone should get quotes using their specific location, rather than relying on average rates.

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

Additional Rate Details

The chart below details estimated Dodge Ram 3500 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $811
• Choosing higher $1,000 deductibles can save $124 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,346
• Using pricier low deductibles for comp and collision coverage bumps up the cost to $1,586
• High-risk insureds who are prone to accidents and violations could pay around $2,894 or more
• Policy cost that insures a teen driver for full coverage can cost $5,346 each year

View Chart as Image

Auto insurance rates for a Dodge Ram 3500 also range considerably based on the model of your Ram 3500, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,600 to $2,200 in extra premium every year, depending on your age. Dodge Ram 3500 insurance for high-risk drivers ranges anywhere from 41% to 133% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $5,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Dodge Ram 3500 insurance rates. A good driver about age 40 could pay as low as $970 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,820 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $370 each year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $645 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied.

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 Find More Affordable Dodge Ram 3500 Insurance

Finding cheaper rates on Dodge Ram 3500 insurance takes having a decent driving record, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Compare prices every couple of years by getting rate quotes from direct companies, and also from local insurance agencies.

The following items are a summary of the material that was touched on in this article.

• Drivers who purchase additional liability coverage will pay an extra $660 every year to raise limits from a 30/60 limit to the 250/500 level
• 16 to 18-year-old drivers have the highest car insurance rates, as much as $446 each month if the policy includes full coverage
• High-risk drivers who have multiple accidents or major violations may have to pay on average $1,550 more per year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save approximately $375 each year