Dodge Ram 3500 Insurance Rates

U.S. average auto insurance rates for a Dodge Ram 3500 are $1,300 annually for full coverage insurance. Comprehensive insurance costs approximately $220, collision costs $288, and liability coverage costs $592. Liability-only coverage costs as little as $652 a year, with high-risk coverage costing $2,790 or more. Teens pay the highest rates at $5,190 a year or more.

Average premium for full coverage: $1,300

Price estimates by individual coverage:

Estimates include $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for all Ram 3500 models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of auto insurance. Rural locations have fewer physical damage claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above illustrate why everyone should compare rates using their specific location and their own personal driving habits, rather than using averaged prices.

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

Additional Rate Analysis

The chart below illustrates estimated Dodge Ram 3500 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $788
• Drivers who choose higher $1,000 deductibles will pay $116 each year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,300
• Selecting pricier low deductibles for comprehensive and collision insurance costs an additional $220 each year
• High-risk insureds with serious driving violations could pay around $2,790 or more
• The price with full coverage for a teenage driver for full coverage can cost $5,190 a year

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Auto insurance prices for a Dodge Ram 3500 are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $5,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,500 to $2,200 in extra premium each year, depending on your age. Dodge Ram 3500 insurance for high-risk drivers can cost around 42% to 129% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $340 a year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $639 extra every year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Dodge Ram 3500 insurance rates. A 40-year-old driver could pay as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,750 on average in Florida, New York, and Michigan.

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Since prices can be so different, the only way to figure out who has the best car insurance prices is to regularly compare prices and see how they stack up. Every company calculates prices differently, and quoted prices may be quite different between companies.

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 Buy Low Cost Dodge Ram 3500 Insurance

Getting lower rates on auto insurance not only requires being a good driver, but also having above-average credit, not filing small claims, and not having any coverage lapses. Set aside time to compare rates every year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following list is a review of the coverage data covered above.

• It is possible to save around $150 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $325 each year
• Drivers age 16 to 20 have the highest car insurance prices, as much as $433 a month if full coverage is included
• Drivers who have several accidents or serious violations could be forced to pay on average $1,490 more per year than a safer driver