Dodge Ram 3500 Insurance Rates

Average insurance rates for a Dodge Ram 3500 are $1,300 a year including full coverage. Comprehensive costs around $220 each year, collision insurance costs $288, and liability insurance costs around $592. Buying just liability costs as low as $652 a year, and insurance for high-risk drivers costs around $2,790. Teen drivers receive the highest rates at up to $5,190 a year.

Average premium for full coverage: $1,300

Rate estimates for individual coverage type:

These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and Ram 3500 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than larger metro areas. The graphic below illustrates the difference location can make on auto insurance rates.

These examples highlight why all drivers should compare prices for a specific zip code, rather than relying on price averages.

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

Rates by State, City, and Model

The chart below breaks down average Dodge Ram 3500 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $788
• Using higher $1,000 deductibles will save about $116 every year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,300
• Choosing low deductibles for physical damage coverage bumps up the cost to $1,520
• Drivers with multiple violations and an at-fault accident could pay at least $2,790
• The cost that insures a teen driver can be $5,190 or more

View Chart as Image

Auto insurance rates for a Dodge Ram 3500 can also vary considerably based on the trim level and model year, your driving record and age, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are likely paying at least $1,500 to $2,200 in extra premium per year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 129% more than average. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay as much as $5,100 a year. View Rates by Age

Where you live has a huge impact on Dodge Ram 3500 insurance rates. A driver around age 40 might see rates as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,850 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could cut rates by as much as $340 each year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $639 extra every year. View Rates by Deductible or Liability Limit

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

Saving money on Dodge Ram 3500 insurance requires avoiding accidents and claims, maintaining a good credit score, not filing small claims, and possibly raising deductibles. Shop around every other policy renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The points below are a brief summary of the ideas that were touched on in this article.

• Drivers under the age of 20 are expensive to insure, as much as $433 per month if the policy includes full coverage
• High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,490 more every year to insure a Dodge Ram 3500
• Increasing deductibles can save approximately $325 each year
• You may be able to save up to $150 per year just by quoting online in advance