Dodge Ram 3500 Insurance Rates

Estimated insurance rates for a Dodge Ram 3500 are $1,300 a year for full coverage insurance. Comprehensive insurance costs an estimated $220 a year, collision insurance costs $288, and liability coverage is estimated at $592. Liability-only insurance costs approximately $652 a year, and high-risk driver insurance costs $2,790 or more. Teenage drivers pay the most at up to $5,190 a year.

Average premium for full coverage: $1,300

Premium estimates broken down by type of coverage:

These estimates include $500 deductible amounts, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and Ram 3500 trim levels.

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 a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates how geographic area affects insurance prices.

These rate differences illustrate why it is important to get quotes for a targeted area and risk profile, rather than using average rates.

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

Additional Rate Information

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

• The best discount rate is $788
• Choosing higher $1,000 deductibles can save approximately $1,184 each year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,300
• Using low $100 deductibles for comp and collision coverage will cost an extra $220 each year
• Drivers who are prone to accidents and violations could pay up to $2,790
• An auto insurance policy for full coverage for a teenage driver can cost as much as $5,190 each year

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay at least $5,100 a year. View Rates by Age

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 be forced to pay as much as $1,750 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $340 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $639 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying $1,500 to $2,200 additional annually, depending on your age. A high-risk auto insurance policy ranges around 42% to 129% more than a normal policy. View High Risk Driver Rates

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 Find Cheap Dodge Ram 3500 Insurance

Finding better rates on auto insurance takes having a good driving record, having a good credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Invest the time to compare rates at least once a year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a brief summary of the primary concepts that were presented in the illustrations above.

• It is possible to save approximately $150 per year just by quoting early and online
• Drivers that tend to have accidents or serious violations pay on average $1,490 more annually to buy Dodge Ram 3500 insurance
• Increasing policy deductibles can save around $325 each year
• Drivers age 20 and younger are expensive to insure, with premiums being up to $433 per month including comprehensive and collision insurance