Dodge Ram 3500 Insurance Rates

The average insurance prices for a Dodge Ram 3500 are $1,300 every 12 months with full coverage. Comprehensive insurance costs an estimated $220, collision costs $288, and liability coverage is $592. A liability-only policy costs around $652 a year, with high-risk insurance costing $2,790 or more. Teen 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:

Full coverage includes $500 deductible amounts, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for different Ram 3500 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. More rural locations are shown to have more infrequent collision claims than larger metro areas.

The price range example below illustrates how location helps determine insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, rather than using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $788
• Raising to $1,000 deductibles will save approximately $116 annually
• The average price for a good driver age 40 who has $500 deductibles is $1,300
• Choosing more expensive low deductibles costs an extra $220 each year
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $2,790 or more
• Policy cost to insure a teenage driver with full coverage can cost as much as $5,190

View Chart as Image

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

Choosing high deductibles can reduce rates by up to $340 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $639 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged 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 may be forking out $1,500 to $2,200 extra every year, depending on your age. High-risk driver insurance is expensive and can cost around 42% to 129% more than average. View High Risk Driver Rates

Your home state also has a big influence on Dodge Ram 3500 insurance rates. A middle-age driver might find rates as low as $930 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,750 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to compare rates and see how they stack up. Every auto insurance company uses a different rate calculation, so rate quotes 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 More Affordable Dodge Ram 3500 Insurance

Finding cheaper rates on auto insurance consists of having a good driving record, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Invest time comparing rates at every other renewal by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

The next list is a summary of the concepts that were covered in the charts and tables above.

• Drivers who have multiple accidents or major violations may pay on average $1,490 more annually to buy Dodge Ram 3500 insurance
• Drivers age 20 and younger have the highest car insurance rates, as much as $433 each month if the policy includes full coverage
• You may be able to save approximately $150 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• You may be able to save approximately $150 per year simply by shopping early and online