Dodge Ram 3500 Insurance Rates

U.S. average auto insurance rates for a Dodge Ram 3500 are $1,300 annually for full coverage. Comprehensive insurance costs on average $220, collision costs $288, and liability costs $592. Liability-only insurance costs as little as $652 a year, with high-risk driver insurance 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:

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

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance rates. Rural areas have fewer accident claims than cities with more traffic congestion.

The price range example below illustrates how geographic area affects car insurance rates.

The ranges above show why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, instead of using averaged prices.

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

Additional Charts and Tables

The chart below shows estimated Dodge Ram 3500 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $788
• Drivers who choose higher $1,000 deductibles will pay around $116 a year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,300
• Selecting more expensive low deductibles for comprehensive and collision insurance costs an additional $220 every year
• Higher-risk drivers with serious driving violations could pay upwards of $2,790 or more
• The price with full coverage for a teen driver with full coverage may cost $5,190 a year

View Chart as Image

Car insurance prices for a Dodge Ram 3500 are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.

An older driver with no driving violations and high physical damage deductibles may pay as little as $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 be charged upwards of $5,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,500 to $2,200 extra each year, depending on your age. High-risk driver insurance can cost as much as 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 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $639 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Dodge Ram 3500 insurance prices. A 40-year-old driver could pay as low as $860 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,850 on average in Michigan, Louisiana, and New York.

View Chart as Image

Since prices can be so different, the only way to know exactly what you will pay is to compare prices and see which company has the best price. Every company calculates prices differently, so rate quotes 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 the Right Dodge Ram 3500 Insurance

Getting lower rates on car insurance not only requires avoiding accidents and claims, but also having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates every time your policy renews by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The points below are a quick rundown of the information presented in the illustrations above.

• Drivers can save as much as $150 per year simply by shopping early and online
• Drivers under the age of 20 are expensive to insure, with premiums as much as $433 a month if comprehensive and collision insurance is included
• Increasing physical damage deductibles could save up to $325 each year
• Higher risk drivers with reckless driving or DUI convictions may be required to pay an average of $1,490 more each year to insure a Dodge Ram 3500
• Policyholders who require increased liability limits will pay approximately $650 each year to go from a low limit to higher 250/500 limits