Dodge Ram 3500 Insurance Rates

The average insurance prices for a Dodge Ram 3500 are $1,300 every 12 months for full coverage insurance. Comprehensive costs on average $220 a year, collision costs $288, and liability coverage is $592. A liability-only policy costs around $652 a year, with high-risk insurance costing around $2,790. Teen drivers cost the most to insure at $5,190 a year or more.

Average premium for full coverage: $1,300

Policy rates by type of insurance:

These estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and Ram 3500 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on insurance rates. Rural areas are shown to have more infrequent physical damage claims than larger metro areas.

The diagram below illustrates the effect of geographic area on car insurance rates.

The examples above illustrate why it is important to compare rates quotes based on a specific location and their own driving history, rather than using price averages.

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

Detailed Rate Analysis

The chart below illustrates estimated Dodge Ram 3500 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $788
• Raising to $1,000 deductibles will save around $1,184 each year
• The average price for a good driver age 40 with $500 deductibles is $1,300
• Choosing low $100 deductibles increases the price to $1,520
• Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,790 or more
• Policy cost to insure a teenage driver may cost $5,190

View Chart as Image

Car insurance rates for a Dodge Ram 3500 also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your Ram 3500.

Choosing high deductibles can reduce rates by up to $340 a year, while buying higher liability limits will cost you more. Switching 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

Older drivers 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 upwards of $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 are probably paying at a minimum $1,500 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy 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 $850 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,750 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out exactly what you will pay is to get quotes 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 Cheap Dodge Ram 3500 Insurance

Finding cheaper rates on auto insurance consists of being a low-risk driver, maintaining a good credit score, being claim-free, and maximizing policy discounts. Take the time to compare rates at least every other year by requesting rates from direct insurance companies, and also from several local insurance agents.

The items below are a brief summary of the car insurance concepts covered in the above illustrations.

• Drivers that tend to have accidents or serious violations pay on average $1,490 more each year to insure their Ram 3500
• It is possible to save as much as $150 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• Consumers who require more liability coverage will pay about $650 annually to raise from a 30/60 limit to a 250/500 level