Dodge Ram 3500 Insurance Rates

The average insurance rates for a Dodge Ram 3500 are $1,346 a year for full coverage insurance. Comprehensive insurance costs on average $236, collision costs $314, and liability coverage costs around $596. A liability-only policy costs as low as $656 a year, with high-risk insurance costing $2,894 or more. 16-year-old drivers cost the most to insure at $5,346 a year or more.

Average premium for full coverage: $1,346

Policy rates by type of insurance:

Prices are based on $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for all Ram 3500 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than congested cities.

The example below illustrates the difference location can make on car insurance rates.

The examples above illustrate why everyone should compare prices based on a specific location, rather than using rate averages.

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 different risk profiles and scenarios.

• The best full coverage rate is $811
• Using higher $1,000 deductibles will save around $124 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,346
• Buying pricier low deductibles for physical damage coverage will cost an additional $240 each year
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,894 or more
• Policy cost that insures a teenage driver for full coverage may cost $5,346 or more

View Chart as Image

Car insurance rates for a Dodge Ram 3500 also range considerably based on the model of your Ram 3500, your age and driving record, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,600 to $2,200 extra every year, depending on your age. Dodge Ram 3500 insurance for high-risk drivers can be around 41% to 133% more than the average rate. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged upwards of $5,300 a year. View Rates by Age

Your home state has a huge impact on Dodge Ram 3500 insurance rates. A driver around age 40 might see rates as low as $880 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,820 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $370 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $645 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out exactly what you will pay is to regularly compare rates and see how they stack up. Each insurance company utilizes a different rate formula, 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 Find Affordable Dodge Ram 3500 Insurance

Finding cheaper rates on auto insurance requires having a good driving record, having a positive credit history, being claim-free, and maximizing policy discounts. Comparison shop at every other renewal by requesting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The next list is a brief review of the concepts that were touched on in this article.

• Drivers with DUI or reckless driving convictions may pay on average $1,550 more each year to buy Dodge Ram 3500 insurance
• Drivers age 20 and younger are expensive to insure, possibly costing $446 each month if full coverage is purchased
• It is possible to save as much as $150 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $375 each year
• It is possible to save as much as $150 per year simply by quoting online well ahead of the renewal date