Dodge Ram 3500 Insurance Rates

The average auto insurance rates for a Dodge Ram 3500 are $1,300 annually with full coverage. Comprehensive insurance costs approximately $220, collision insurance costs $288, and liability costs around $592. Buying just liability costs as low as $652 a year, and insurance for high-risk drivers costs $2,790 or more. Teenage drivers cost the most to insure at up to $5,190 a year.

Average premium for full coverage: $1,300

Policy rates by type of insurance:

Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Ram 3500 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of insurance. Rural locations are shown to have fewer collision claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, instead of using average rates.

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

More Rate Details

The chart below details average Dodge Ram 3500 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $788
• Using higher $1,000 deductibles will save $116 annually
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,300
• Using more expensive low deductibles for physical damage coverage costs an additional $220 every year
• Drivers who are prone to accidents and violations could pay around $2,790
• Policy cost with full coverage for a teen driver with full coverage can cost $5,190 or more

View Chart as Image

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

An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $5,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,500 to $2,200 extra every year, depending on your age. High-risk driver insurance can be as much as 42% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $340 every year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $639 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Dodge Ram 3500 insurance prices. A driver around age 40 might see rates as low as $930 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,750 on average in New York, Michigan, and Florida.

View Chart as Image

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 the Cheapest Dodge Ram 3500 Insurance

Finding cheaper rates on car insurance requires being a good driver, having a good credit history, not filing small claims, and possibly raising deductibles. Set aside time to compare rates at every other renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a recap of the concepts that were covered above.

• Higher risk drivers that have major violations or accidents may pay on average $1,490 more per year than a safer driver
• Drivers age 16 to 20 are expensive to insure, as much as $433 each month including comprehensive and collision insurance
• You may be able to save around $150 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $325 each year
• You may be able to save around $150 per year just by shopping early and online