Dodge Ram 3500 Insurance Rates

Estimated insurance prices for a Dodge Ram 3500 are $1,300 every 12 months for full coverage insurance. Comprehensive costs an estimated $220, collision costs $288, and liability coverage is estimated at $592. Liability-only coverage costs approximately $652 a year, with high-risk coverage costing around $2,790. 16-year-old drivers pay the most at $5,190 a year or more.

Average premium for full coverage: $1,300

Premium estimates broken down by type of coverage:

Includes $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for all Ram 3500 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than congested cities.

The example below illustrates how geographic area affects insurance prices.

These rate differences illustrate why everyone should get quotes for a targeted area and their own driving history, rather than using rate averages.

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

Additional Rate Analysis

The chart below illustrates estimated Dodge Ram 3500 insurance rates for other coverage scenarios.

• The best full coverage rate is $788
• Choosing higher $1,000 deductibles can save approximately $116 each year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,300
• Buying pricier low deductibles for comp and collision coverage increases the price to $1,520
• Drivers with multiple tickets or accidents could pay up to $2,790 or more
• An auto insurance policy to insure a teenage driver for full coverage can cost as much as $5,190 each year

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

Opting for high physical damage deductibles can save as much as $340 a year, whereas buying more liability protection will increase premiums. Switching 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

A more mature driver with a clean driving record and higher deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay at least $5,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying $1,500 to $2,200 extra annually, depending on your age. Dodge Ram 3500 insurance for high-risk drivers ranges around 42% to 129% more than the average rate. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Dodge Ram 3500 insurance rates. A good driver about age 40 could pay as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,750 on average in Florida, New York, and Michigan.

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With such a large range in prices, the only way to figure out which insurance company is cheapest is to regularly compare prices and see how they stack up. Each auto insurer utilizes a different rate formula, 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 takes avoiding accidents and claims, having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to compare rates once a year by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

The points below are a recap of the data that was presented in the illustrations above.

• It is possible to save approximately $150 per year simply by quoting online well ahead of the renewal date
• Consumers who want increased liability limits will pay around $650 annually to raise limits from 30/60 bodily injury limits to a 250/500 level
• Drivers under the age of 20 are charged the highest prices, with premiums being up to $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 annually to insure a Dodge Ram 3500