Dodge Ram 3500 Insurance Rates

The average insurance rates for a Dodge Ram 3500 are $1,300 a year for full coverage insurance. Comprehensive insurance costs approximately $220 each year, collision costs $288, and liability coverage costs $592. A liability-only policy costs as little as $652 a year, with high-risk insurance costing $2,790 or more. Teens 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:

Full coverage includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and Ram 3500 models.

Price Range Variability

Urban vs. Rural Price Range

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

The graphic below illustrates the difference location can make on auto insurance prices.

The examples above illustrate why all drivers should compare rates using their specific location and risk profile, rather than using averaged prices.

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

Additional Rate Details

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 average rate for a good driver age 40 who chooses $500 deductibles is $1,300
• Selecting low deductibles for comprehensive and collision insurance will cost an extra $220 each year
• High-risk insureds with serious driving violations could pay around $2,790 or more
• Policy cost for full coverage for a teenage driver can cost $5,190 a year

View Chart as Image

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

More mature drivers with no driving violations and high deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $5,100 a year. View Rates by Age

Your home state 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.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $340 a year, whereas increasing liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $639 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,500 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers can cost around 42% to 129% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison and see how they stack up. Every company calculates rates differently, so rate quotes will be varied from one company to the next.

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 More Affordable Dodge Ram 3500 Insurance

Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also having above-average credit, being claim-free, and avoiding coverage lapses. Make time to compare rates at least every other year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a summary of the car insurance concepts touched on in this article.

• Drivers who have multiple accidents or major violations may pay on average $1,490 more per year to insure their Ram 3500
• It is possible to save around $150 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $325 each year
• Consumers who purchase more liability coverage will pay approximately $650 annually to go from a 30/60 limit to 250/500 limits