Dodge Ram 3500 Insurance Rates

The average insurance prices for a Dodge Ram 3500 are $1,300 every 12 months for full coverage insurance. Comprehensive costs on average $220, collision insurance costs $288, and liability coverage costs $592. Liability-only coverage costs as little as $652 a year, and high-risk coverage costs around $2,790. Teens cost the most to insure at up to $5,190 a year.

Average premium for full coverage: $1,300

Policy rates by type of insurance:

Estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for all Ram 3500 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on insurance rates. Rural areas are shown to have more infrequent physical damage claims than cities with more traffic congestion. The example below illustrates how location impacts car insurance rates.

The examples above illustrate why everyone should compare rates based on a specific location and their own driving history, rather than using averaged prices.

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

Additional Charts and Tables

The chart below illustrates average Dodge Ram 3500 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $788
• Drivers who choose higher $1,000 deductibles will pay around $116 each year
• The average price for a good driver age 40 with $500 deductibles is $1,300
• Selecting pricier low deductibles for comprehensive and collision insurance increases the price to $1,520
• High-risk insureds with serious driving violations could pay upwards of $2,790
• Policy cost to insure a teenage driver for full coverage may cost $5,190 a year

View Chart as Image

Insurance rates for a Dodge Ram 3500 also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your Ram 3500.

Choosing higher comprehensive and collision insurance deductibles could save up to $340 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $639 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay upwards of $5,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,500 to $2,200 additional every year, depending on your age. Dodge Ram 3500 insurance for high-risk drivers can cost around 42% to 129% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in Dodge Ram 3500 insurance rates. A 40-year-old driver could pay as low as $850 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,750 on average in Michigan, New York, and Florida.

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 Low Cost Dodge Ram 3500 Insurance

Finding cheaper rates on auto insurance not only requires being a safe and courteous driver, but also having above-average credit, being claim-free, and dropping full coverage on older vehicles. Spend time shopping around every other policy renewal by getting quotes from direct insurance companies, and also from several local insurance agents.

Below is a review of the ideas that were touched on above.

• Teenage drivers pay higher rates, possibly costing $433 each month if full coverage is included
• Drivers who have several accidents or serious violations pay on average $1,490 more each year for auto insurance
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• It is possible to save as much as $150 per year just by quoting online well ahead of the renewal date