Dodge Ram 3500 Insurance Rates

Average insurance prices for a Dodge Ram 3500 are $1,346 every 12 months including full coverage. Comprehensive insurance costs around $236, collision costs $314, and liability insurance is $596. A policy with just liability insurance costs around $656 a year, with coverage for high-risk drivers costing $2,894 or more. Teens receive the highest rates at $5,346 a year or more.

Average premium for full coverage: $1,346

Rate estimates for individual coverage type:

Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and for different Ram 3500 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how your location can change auto insurance rates.

These examples highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, 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 estimated Dodge Ram 3500 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $811
• Raising to $1,000 deductibles will save about $124 every year
• The average price for a 40-year-old driver using $500 deductibles is $1,346
• Selecting more expensive low deductibles costs an extra $240 a year
• Higher-risk drivers with serious driving violations could pay at least $2,894 or more
• The cost to insure a teen driver with full coverage can be $5,346

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

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $370 each year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $645 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay as much as $5,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,600 to $2,200 additional per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 41% to 133% more than the average policy. View High Risk Driver Rates

Where you live also has a big influence on Dodge Ram 3500 insurance rates. A middle-age driver might find rates as low as $1,030 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,920 on average in Michigan, New York, and Louisiana.

View Chart as Image

With so much variability in rates, the best way to figure out your exact price is to compare rates from as many companies as possible. Every auto insurance company calculates rates differently, and rates can be significantly different.

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 Shop for the Best Cheap Dodge Ram 3500 Insurance

Saving money on Dodge Ram 3500 insurance consists of being safe and accident-free, having above-average credit, not filing small claims, and taking advantage of discounts. Invest the time to shop around at every other renewal by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below you'll find a quick review of the concepts that were illustrated above.

• High-risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,550 more every year than a low-risk driver
• Youthful drivers are charged the highest rates, as much as $446 per month if full coverage is included
• You may be able to save up to $150 per year simply by shopping early and online
• Increasing deductibles could save as much as $375 each year
• You may be able to save up to $150 per year simply by shopping early and online