Dodge Ram 3500 Insurance Rates

The average insurance prices for a Dodge Ram 3500 are $1,300 every 12 months for full coverage. Comprehensive insurance costs an estimated $220 a year, collision insurance costs $288, and liability coverage costs around $592. Liability-only insurance costs as low as $652 a year, and high-risk driver insurance 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 broken down by type of insurance:

Price estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Ram 3500 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. More rural locations are shown to have more infrequent accident claims than densely populated cities. The diagram below illustrates how geographic area affects insurance prices.

The examples above show why it is important to compare prices for a targeted area and their own driving history, rather than using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $788
• Using higher $1,000 deductibles will save approximately $1,184 a year
• The average price for a good driver age 40 who has $500 deductibles is $1,300
• Using low $100 deductibles for physical damage coverage costs an extra $220 each year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,790
• Policy cost to insure a teenage driver can cost as much as $5,190 or more

View Chart as Image

Auto insurance rates for a Dodge Ram 3500 also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.

Using high physical damage deductibles could cut rates by as much as $340 a year, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $639 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay at least $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 could be paying $1,500 to $2,200 in extra premium every year, depending on your age. A high-risk auto insurance policy can be around 42% to 129% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Dodge Ram 3500 insurance rates. A driver around age 40 might see rates as low as $860 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,850 on average in New York, Louisiana, and Michigan.

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 Shop for Cheaper Dodge Ram 3500 Insurance

Finding cheaper rates on auto insurance requires not taking risks behind the wheel, having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest the time to compare rates at every other renewal by getting quotes from direct carriers, and also from several local insurance agents.

The following is a condensed summary of the concepts that were presented in the illustrations above.

• Drivers with multiple at-fault accidents pay on average $1,490 more annually for Ram 3500 insurance
• Teens are the costliest to insure, costing up to $433 each month if comprehensive and collision insurance is included
• Drivers can save approximately $150 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• Drivers can save approximately $150 per year just by quoting early and online