Dodge Ram 3500 Insurance Rates

Average insurance rates for a Dodge Ram 3500 are $1,300 a year including full coverage. Comprehensive insurance costs approximately $220 a year, collision insurance costs $288, and liability insurance is $592. A liability-only policy costs around $652 a year, and high-risk insurance costs $2,790 or more. Teens receive the highest rates at up to $5,190 a year.

Average premium for full coverage: $1,300

Rate estimates by individual coverage type:

Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and Ram 3500 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how location helps determine auto insurance prices.

These examples highlight why it is important to compare rates quotes using their specific location and risk profile, rather than relying on averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $788
• Raising to $1,000 deductibles will save $1,184 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,300
• Selecting low $100 deductibles will cost an extra $220 a year
• Higher-risk drivers with serious driving violations could pay around $2,790
• The cost for full coverage for a teen driver can cost $5,190

View Chart as Image

Insurance rates for a Dodge Ram 3500 can also vary considerably based on your driver profile, the model of your Ram 3500, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay in the ballpark of $5,100 a year. View Rates by Age

Where you live also has a big influence on Dodge Ram 3500 insurance rates. A middle-age driver might find rates as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,850 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $340 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $639 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,500 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 129% more than the average 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 the Best Dodge Ram 3500 Insurance

Saving money on Dodge Ram 3500 insurance consists of being safe and accident-free, maintaining good credit, not filing small claims, and possibly raising deductibles. Invest time comparing rates every other policy renewal by requesting rates from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

Below you'll find a brief recap of the ideas that were covered in the charts and tables above.

• Youthful drivers are expensive to insure, as much as $433 per month for full coverage
• High-risk drivers who tend to receive serious violations could be forced to pay on average $1,490 more per year than a low-risk driver
• Increasing deductibles can save around $325 each year
• You may be able to save around $150 per year just by quoting early and online