Dodge Ram 3500 Insurance Rates

Estimated insurance prices for a Dodge Ram 3500 are $1,300 every 12 months including full coverage. Comprehensive costs around $220 a year, collision costs $288, and liability coverage costs around $592. Liability-only coverage costs as low as $652 a year, with high-risk coverage costing around $2,790. Teenage drivers pay the most at $5,190 a year or more.

Average premium for full coverage: $1,300

Premium estimates for type of coverage:

Includes $500 physical damage deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and Ram 3500 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.

The diagram below illustrates how rural and urban location affects auto insurance rates.

These rate differences highlight why it is important to compare prices for a specific zip code and their own driving history, rather than using average rates.

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

Rates by State, City, and Model

The chart below breaks down estimated Dodge Ram 3500 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $788
• Using higher $1,000 deductibles will save about $1,184 every year
• The average price for a 40-year-old good driver using $500 deductibles is $1,300
• Using low $100 deductibles for physical damage coverage increases the price to $1,520
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,790 or more
• An auto insurance policy to insure a teenage driver can be $5,190 or more

View Chart as Image

Insurance prices for a Dodge Ram 3500 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.

Using high physical damage deductibles could cut prices by as much as $340 a year, while buying higher liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $639 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay as much as $5,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at least $1,500 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy can be around 42% to 129% more than a normal policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Dodge Ram 3500 insurance rates. A driver around age 40 might see prices as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,850 on average in Michigan, New York, and Louisiana.

View Chart as Image

With such a large range in prices, the best way to figure out your exact price is to get quotes and see how they stack up. Each insurance company uses a different method to calculate prices, so the prices will be substantially 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 the Cheapest Dodge Ram 3500 Insurance

Finding better rates on auto insurance requires being a safe and courteous driver, having good credit, refrain from filing small claims, and insuring your home and auto with the same company. Set aside time to shop around every year by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

Below is a recap of the coverage data raised in the charts and tables above.

• You may be able to save up to $150 per year simply by quoting early and online
• Increasing policy deductibles could save as much as $325 each year
• Teenage drivers pay higher prices, with the cost nearing $433 per month if they have full coverage
• Drivers that have major violations or accidents could be forced to pay on average $1,490 more every year for auto insurance