Dodge Ram 3500 Insurance Rates

Average auto insurance rates for a Dodge Ram 3500 are $1,300 annually including full coverage. Comprehensive insurance costs on average $220, collision costs $288, and liability is estimated at $592. A policy with just liability insurance costs approximately $652 a year, with coverage for high-risk drivers costing $2,790 or more. 16-year-old drivers receive the highest rates at $5,190 a year or more.

Average premium for full coverage: $1,300

Rate estimates by individual coverage type:

Estimates include $500 deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different Ram 3500 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than congested cities.

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

These examples highlight why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $788
• Choosing higher $1,000 deductibles can save around $116 every year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,300
• Buying more expensive low deductibles for comp and collision coverage costs an additional $220 annually
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,790 or more
• The cost with full coverage for a 16-year-old driver with full coverage may cost $5,190 each year

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Insurance rates for a Dodge Ram 3500 can also vary considerably based on the trim level of your Ram 3500, your driving characteristics, and policy deductibles and limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,200 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,500 to $2,200 additional per year, depending on your age. High-risk driver insurance ranges from 42% to 129% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $340 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $639 more each year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Dodge Ram 3500 insurance prices. A good driver about age 40 could pay as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,850 on average in Michigan, New York, and Louisiana.

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With so much variability in rates, the best way to figure out exactly what you will pay is to compare rates from multiple companies. Each auto insurer utilizes a different rate formula, and rates can be significantly different between companies.

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 Low Cost Dodge Ram 3500 Insurance

Saving money on insurance for a Dodge Ram 3500 takes not taking risks behind the wheel, having good credit, not filing small claims, and insuring your home and auto with the same company. Invest the time to shop around every couple of years by requesting rates from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following is a review of the material that was illustrated above.

• Insureds who require higher liability limits will pay around $650 per year to raise limits from a minimum limit to higher 250/500 limits
• Teens pay higher rates, as much as $433 per month if they have full coverage
• Drivers considered higher risk who have several accidents or serious violations pay on average $1,490 more each year for Ram 3500 insurance
• Increasing deductibles could save up to $325 each year