Dodge Ram 3500 Insurance Rates

The average insurance prices for a Dodge Ram 3500 are $1,300 every 12 months including full coverage. Comprehensive insurance costs an estimated $220 each year, collision costs $288, and liability insurance costs $592. Liability-only coverage costs as little as $652 a year, with high-risk coverage costing $2,790 or more. Teenage drivers cost the most to insure at $5,190 a year or more.

Average premium for full coverage: $1,300

Policy rates broken down by type of insurance:

Rates are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Ram 3500 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than densely populated cities.

The graphic below illustrates the effect of geographic area on insurance prices.

The examples above highlight why all drivers should compare rates for a targeted area and their own driving history, rather than relying on average rates.

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

Rate Comparisons

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

• The best discount rate is $788
• Drivers who choose higher $1,000 deductibles will pay approximately $116 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,300
• Using low deductibles for comprehensive and collision insurance costs an extra $220 a year
• High risk drivers who are prone to accidents and violations could pay up to $2,790 or more
• Policy cost to insure a teen driver can cost as much as $5,190 a year

View Chart as Image

Insurance rates for a Dodge Ram 3500 also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles could save up to $340 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $639 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay at least $5,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,500 to $2,200 additional every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 129% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Dodge Ram 3500 insurance rates. A 40-year-old driver could pay as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,850 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate rates, and 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 Shop for the Best Cheap Dodge Ram 3500 Insurance

Finding cheaper rates on Dodge Ram 3500 insurance not only requires being a safe and courteous driver, but also having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to compare rates every time your policy renews by getting quotes from direct car insurance companies, and also from local insurance agencies.

Below is a quick review of the information covered in the above illustrations.

• You may be able to save approximately $150 per year simply by quoting online in advance
• Teenage drivers are expensive to insure, with premiums being up to $433 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• High-risk drivers with a DUI or reckless driving violation may have to pay on average $1,490 more annually for auto insurance
• Drivers who want higher levels of liability will pay an extra $650 per year to go from a 30/60 limit to a 250/500 level