Dodge Ram 3500 Insurance Rates

Average insurance rates for a Dodge Ram 3500 are $1,300 a year for full coverage insurance. Comprehensive costs around $220 a year, collision insurance costs $288, and liability coverage is $592. A policy with just liability insurance costs around $652 a year, and coverage for high-risk drivers costs around $2,790. Teen drivers receive the highest rates at up to $5,190 a year.

Average premium for full coverage: $1,300

Rate estimates for individual coverage type:

Rates are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and Ram 3500 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than larger metro areas. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

These examples illustrate why it is important to compare rates quotes for a specific zip code, rather than using price averages.

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

Rates by State, City, and Model

The chart below illustrates average Dodge Ram 3500 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $788
• Raising to $1,000 deductibles will save about $1,184 each year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,300
• Choosing low $100 deductibles bumps up the cost to $1,520
• Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,790
• The cost that insures a teenage driver can be $5,190

View Chart as Image

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

If you like to drive fast or you caused an accident, you are probably paying at least $1,500 to $2,200 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 129% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $5,100 a year. View Rates by Age

Where you live also has a big influence on Dodge Ram 3500 insurance rates. A middle-age driver might find rates as low as $850 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,750 on average in Michigan, New York, and Florida.

View Chart as Image

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

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 the Best Cheap Dodge Ram 3500 Insurance

Saving money on auto insurance consists of avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Shop around every other policy renewal by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a quick review of the ideas that were covered above.

• Drivers under the age of 20 are charged the highest rates, costing up to $433 per month if comprehensive and collision insurance is included
• Drivers with a DUI or reckless driving violation could be forced to pay on average $1,490 more every year to insure a Dodge Ram 3500
• Increasing deductibles can save approximately $325 each year
• It is possible to save up to $150 per year just by quoting early and online