Dodge Ram 3500 Insurance Rates

U.S. average insurance rates for a Dodge Ram 3500 are $1,300 a year with full coverage. Comprehensive costs an estimated $220, collision costs $288, and liability is $592. Liability-only insurance costs around $652 a year, with high-risk driver insurance costing around $2,790. Teenage drivers pay the highest rates at $5,190 a year or more.

Average premium for full coverage: $1,300

Price estimates broken down by individual coverage:

Includes $500 deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for different Ram 3500 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance rates. More rural locations have lower incidents of collision claims than densely populated cities.

The price range example below illustrates how your location can change insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area, instead of using average rates.

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 other coverage scenarios.

• The best discount rate is $788
• Raising to $1,000 deductibles will save approximately $116 annually
• The estimated price for the average middle-age driver who has $500 deductibles is $1,300
• Using more expensive low deductibles bumps up the cost to $1,520
• At-risk drivers who are prone to accidents and violations could pay up to $2,790 or more
• The price that insures a teen driver with full coverage can cost as much as $5,190

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Car insurance prices for a Dodge Ram 3500 are also quite variable based on the model year and trim level, your age and driving habits, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you may be forking out $1,500 to $2,200 extra each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 42% to 129% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged at least $5,100 a year. View Rates by Age

The state you live in also has a big influence on Dodge Ram 3500 insurance prices. A middle-age driver might find prices as low as $930 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,750 on average in New York, Michigan, and Florida.

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Using high physical damage deductibles can reduce prices by up to $340 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $639 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out which car insurance is cheapest is to compare prices and see which company has the best price. Every auto insurance company uses a different method to calculate prices, so rate quotes 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 Find the Cheapest Dodge Ram 3500 Insurance

Getting lower rates on car insurance consists of not taking risks behind the wheel, having a positive credit history, avoid buying unnecessary coverage, and not having any coverage lapses. Compare prices at least once a year by getting rate quotes from direct companies, and also from insurance agencies where you live.

The following is a recap of the primary concepts that were illustrated above.

• You may be able to save approximately $150 per year simply by shopping early and online
• Higher risk drivers that have major violations or accidents could be forced to pay on average $1,490 more annually for Ram 3500 insurance
• Increasing physical damage deductibles can save approximately $325 each year
• Teens have the highest car insurance prices, costing up to $433 a month if full coverage is purchased