Dodge Ram 3500 Insurance Rates

Estimated insurance rates for a Dodge Ram 3500 are $1,300 a year for full coverage. Comprehensive insurance costs on average $220 a year, collision costs $288, and liability is estimated at $592. Liability-only coverage costs approximately $652 a year, with high-risk coverage costing $2,790 or more. Teen drivers pay the most at $5,190 a year or more.

Average premium for full coverage: $1,300

Premium estimates by type of coverage:

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and Ram 3500 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than larger metro areas.

The diagram below illustrates how location impacts car insurance rates.

These rate differences show why it is important to get quotes based on a specific location, instead of making a decision based on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $788
• Choosing higher $1,000 deductibles can save around $1,184 a year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,300
• Choosing low $100 deductibles for comp and collision coverage will cost an additional $220 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,790 or more
• An auto insurance policy that insures a 16-year-old driver may cost $5,190 each year

View Chart as Image

Insurance prices for a Dodge Ram 3500 also have a wide range based on the trim level of your Ram 3500, how you drive, and policy deductibles and limits.

If you have a few violations or you caused an accident, you could be paying at a minimum $1,500 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy ranges from 42% to 129% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $5,100 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Dodge Ram 3500 insurance prices. A good driver about age 40 could pay as low as $860 a year in states like Idaho, Maine, and Iowa, or as much as $1,850 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can save as much as $340 annually, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $639 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know exactly what you will pay is to get quotes from multiple companies. Each auto insurer uses a different rate calculation, so the prices will be substantially 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 Find More Affordable Dodge Ram 3500 Insurance

Finding better rates on insurance for a Dodge Ram 3500 takes being a good driver, having above-average credit, not filing small claims, and bundling your home and auto policies. Shop around at every policy renewal by getting price quotes from direct carriers, and also from local exclusive and independent agents.

The following list is a summary of the data touched on above.

• Insureds who require an increased level of liability coverage will pay about $650 each year to raise limits from 30/60 bodily injury limits to the 250/500 level
• Drivers can save as much as $150 per year simply by quoting early and online
• Increasing policy deductibles can save approximately $325 each year
• Drivers age 16 to 20 pay the highest prices, as much as $433 per month if full coverage is included