Dodge Ram 3500 Insurance Rates

U.S. average insurance prices for a Dodge Ram 3500 are $1,300 every 12 months including full coverage. Comprehensive costs around $220 a year, collision insurance costs $288, and liability is $592. A policy with just liability insurance costs around $652 a year, and coverage for high-risk drivers costs around $2,790. 16-year-old drivers pay the highest rates at up to $5,190 a year.

Average premium for full coverage: $1,300

Price estimates for individual coverage:

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Ram 3500 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Areas with sparse population have more infrequent comprehensive and collision claims than congested cities. The diagram below illustrates how rural and urban location affects auto insurance rates.

The ranges above highlight why it is important to compare rates quotes for a specific zip code and their own driving history, instead of using rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $788
• Raising to $1,000 deductibles will save about $1,184 every year
• The average price for the average middle-age driver using $500 deductibles is $1,300
• Buying low $100 deductibles increases the price to $1,520
• At-risk drivers with multiple tickets or accidents could pay at least $2,790
• The price to insure a teen driver can be $5,190

View Chart as Image

Insurance prices for a Dodge Ram 3500 are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level and model year.

Opting for high physical damage deductibles can reduce prices by up to $340 every year, while buying higher liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $639 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay as much as $5,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at least $1,500 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 42% to 129% more than the average rate. View High Risk Driver Rates

The state you live in also has a big influence on Dodge Ram 3500 insurance prices. A middle-age driver might find prices as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or 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 Shop for the Best Cheap Dodge Ram 3500 Insurance

Getting lower rates on car insurance consists of being a good driver, having good credit, being claim-free, and dropping full coverage on older vehicles. Set aside time to shop around every time your policy renews by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a quick review of the information raised in the charts and tables above.

• You may be able to save up to $150 per year just by quoting early and online
• Drivers age 16 to 20 pay higher prices, possibly costing $433 a month if they have full coverage
• Increasing physical damage deductibles could save as much as $325 each year
• Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $1,490 more every year than a safer driver
• Policyholders who may need an increased level of liability coverage will pay around $650 per year to raise from a low limit to a 250/500 level