Dodge Ram 3500 Insurance Rates

The average auto insurance rates for a Dodge Ram 3500 are $1,300 annually including full coverage. Comprehensive costs on average $220 each year, collision insurance costs $288, and liability insurance is $592. Liability-only coverage costs around $652 a year, and high-risk coverage costs around $2,790. Teens cost the most to insure at up to $5,190 a year.

Average premium for full coverage: $1,300

Policy rates by type of insurance:

Prices are based on $500 deductible amounts, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Ram 3500 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how location impacts car insurance rates.

The examples above highlight why all drivers should compare rates quotes based on a specific location and their own personal driving habits, rather than relying on averaged prices.

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

Rates by State, City, and Model

The chart below breaks down average Dodge Ram 3500 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $788
• Raising to $1,000 deductibles will save around $116 every year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,300
• Selecting low deductibles will cost $1,520
• Higher-risk drivers with serious driving violations could pay upwards of $2,790
• Policy cost with full coverage for a teen driver may cost $5,190

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Insurance rates for a Dodge Ram 3500 also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $5,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,500 to $2,200 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 129% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $340 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $639 more each year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Dodge Ram 3500 insurance rates. A middle-age driver might find rates as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,850 on average in Michigan, New York, and Louisiana.

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 Buy Affordable Dodge Ram 3500 Insurance

Finding cheaper rates on Dodge Ram 3500 insurance consists of having a good driving record, having good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Spend time shopping around at least once a year by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a brief review of the primary concepts that were touched on above.

• You may be able to save as much as $150 per year just by quoting online in advance
• High-risk drivers with DUI or reckless driving convictions pay on average $1,490 more each year to buy Dodge Ram 3500 insurance
• Increasing comprehensive and collision deductibles could save up to $325 each year
• Drivers age 20 and younger pay higher rates, with premiums being up to $433 each month if they have full coverage