Dodge Ram 3500 Insurance Rates

Estimated insurance rates for a Dodge Ram 3500 are $1,300 a year including full coverage. Comprehensive costs an estimated $220 a year, collision costs $288, and liability costs around $592. A policy with only liability insurance costs as low as $652 a year, with a high-risk policy costing around $2,790. 16-year-old 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 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM 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

Where you live can have significant affects on the price of auto insurance. More rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than congested cities.

The diagram below illustrates the effect of geographic area on insurance prices.

These rate differences highlight why it is important to compare prices for a targeted area and risk profile, instead of using rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $788
• Using higher $1,000 deductibles will save approximately $1,184 every year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,300
• Buying low $100 deductibles for physical damage coverage will increase the cost to $1,520
• Drivers with multiple tickets or accidents could pay up to $2,790 or more
• An auto insurance policy for full coverage for a teen driver can cost as much as $5,190 or more

View Chart as Image

Car insurance prices for a Dodge Ram 3500 also have a wide range based on your driving characteristics, the model of your Ram 3500, and liability limits and deductibles.

Older drivers with no driving violations and high deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged at least $5,100 a year. View Rates by Age

Where you choose to live has a huge impact on Dodge Ram 3500 insurance prices. A driver around age 40 might see prices as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,850 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $340 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost up to $639 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying $1,500 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy can be as much as 42% to 129% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the best way to figure out which insurance company is cheapest is to get quotes and see which company has the best price. Each insurance company utilizes a different rate formula, so rate quotes will be substantially different from one company to the next.

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 Right Dodge Ram 3500 Insurance

Finding better rates on car insurance requires avoiding accidents and violations, having above-average credit, refrain from filing small claims, and not having any coverage lapses. Take the time to compare rates every other policy renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a quick rundown of the ideas that were covered in the above illustrations.

• Teenagers have the highest car insurance prices, with the cost nearing $433 per month if full coverage is included
• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,490 more annually for car insurance
• Increasing policy deductibles can save around $325 each year
• You may be able to save approximately $150 per year simply by quoting early and online