Dodge Ram 3500 Insurance Rates

U.S. average insurance rates for a Dodge Ram 3500 are $1,346 a year including full coverage. Comprehensive costs approximately $236, collision insurance costs $314, and liability insurance costs around $596. Buying just liability costs as low as $656 a year, and insurance for high-risk drivers costs around $2,894. Teens pay the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,346

Price estimates by individual coverage:

Prices include $500 policy deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for different Ram 3500 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on auto insurance prices.

The ranges above highlight why anyone shopping for car insurance should compare prices using their specific location, rather than relying on averaged prices.

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

Additional 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 $811
• Using higher $1,000 deductibles will save $124 every year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,346
• Selecting more expensive low deductibles for physical damage coverage bumps up the cost to $1,586
• Drivers with serious driving violations could pay around $2,894
• The price that insures a teen driver with full coverage can cost $5,346 or more

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Insurance prices for a Dodge Ram 3500 are also quite variable based on the model year and trim level, your driving record and age, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,600 to $2,200 additional each year, depending on your age. High-risk driver insurance can be anywhere from 41% to 133% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age

The state you live in has a huge impact on Dodge Ram 3500 insurance rates. A driver around age 40 might see prices as low as $1,030 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,920 on average in Louisiana, New York, and Michigan.

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Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $370 each year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $645 more each 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 the Right Dodge Ram 3500 Insurance

Getting lower rates on Dodge Ram 3500 insurance requires being safe and accident-free, having a good credit score, being claim-free, and consideration of higher deductibles. Compare rates every year by requesting quotes from direct car insurance companies, and also from local auto insurance providers.

Below you'll find a quick rundown of the coverage data covered in the above illustrations.

• You may be able to save around $150 per year just by shopping early and online
• Increasing physical damage deductibles can save approximately $375 each year
• Youthful drivers are the costliest to insure, possibly costing $446 a month if comprehensive and collision insurance is included
• High-risk drivers with reckless driving or DUI convictions will likely pay on average $1,550 more per year than a low-risk driver