Dodge Ram 3500 Insurance Rates

Estimated insurance prices for a Dodge Ram 3500 are $1,300 every 12 months including full coverage. Comprehensive costs an estimated $220 a year, collision costs $288, and liability insurance costs $592. A liability-only policy costs as little as $652 a year, with high-risk insurance costing around $2,790. Teenage drivers pay the most at $5,190 a year or more.

Average premium for full coverage: $1,300

Premium estimates broken down by type of coverage:

Prices include $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Ram 3500 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.

The diagram below illustrates how your location can change insurance prices.

These rate differences highlight why it is important to compare rates for a targeted area and their own driving history, rather than relying on average rates.

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

Additional Charts and Tables

The chart below breaks down estimated Dodge Ram 3500 insurance rates for other coverage scenarios.

• The best discount rate is $788
• Drivers who choose higher $1,000 deductibles will pay approximately $1,184 every year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,300
• Using low $100 deductibles for comprehensive and collision insurance increases the price to $1,520
• High risk drivers who are prone to accidents and violations could pay up to $2,790 or more
• An auto insurance policy to insure a teen driver can cost as much as $5,190 a year

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Auto insurance prices for a Dodge Ram 3500 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles could save up to $340 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $639 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay at least $5,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying $1,500 to $2,200 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 129% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Dodge Ram 3500 insurance rates. A 40-year-old driver could pay as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,850 on average in Louisiana, New York, and Michigan.

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With such a large range in prices, the best way to figure out which insurance company is cheapest is to get quotes from as many companies as possible. Every company uses a different method to calculate prices, and quoted 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 Shop for the Right Dodge Ram 3500 Insurance

Finding better rates on Dodge Ram 3500 insurance not only requires being a good driver, but also having a good credit score, refrain from filing small claims, and qualifying for all possible discounts. Invest the time to shop around every time your policy renews by getting quotes from direct car insurance companies, and also from local insurance agencies.

The following list is a quick rundown of the information illustrated above.

• You may be able to save approximately $150 per year simply by quoting early and online
• Drivers age 16 to 20 are the costliest to insure, with the cost nearing $433 per month if comprehensive and collision insurance is included
• Increasing policy deductibles could save as much as $325 each year
• High-risk drivers with reckless driving or DUI convictions may have to pay on average $1,490 more annually than a safer driver
• Drivers who want an increased level of liability coverage will pay an extra $650 per year to go from 30/60 bodily injury limits to a 250/500 level