Dodge Ram 3500 Insurance Rates

U.S. average insurance prices for a Dodge Ram 3500 are $1,300 every 12 months for full coverage insurance. Comprehensive costs approximately $220 each year, collision costs $288, and liability costs $592. Liability-only insurance costs as little as $652 a year, with high-risk driver insurance costing around $2,790. Teen drivers pay the highest rates at $5,190 a year or more.

Average premium for full coverage: $1,300

Price estimates by individual coverage:

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and Ram 3500 models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on the price of auto insurance. Rural locations have more infrequent physical damage claims than larger metro areas.

The graphic below illustrates how your location can change auto insurance prices.

The ranges above illustrate why all drivers should compare rates using their specific location and their own driving history, instead of using price averages.

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

Additional Rate Details

The chart below illustrates estimated Dodge Ram 3500 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $788
• Drivers who choose higher $1,000 deductibles will pay $116 each year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,300
• Choosing low deductibles for comprehensive and collision insurance increases the price to $1,520
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,790 or more
• The price to insure a teen driver can cost $5,190 a year

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Car insurance prices for a Dodge Ram 3500 are also quite variable based on deductibles and policy limits, your risk profile, and the model of your Ram 3500.

Choosing high deductibles could save up to $340 every year, whereas increasing liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $639 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged in the ballpark of $5,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,500 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 129% more than average. View High Risk Driver Rates

The state you live in makes a big difference in Dodge Ram 3500 insurance prices. A 40-year-old driver could pay as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,750 on average in Florida, New York, and Michigan.

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Since prices can be so different, the only way to figure out who has the best car insurance prices is to do a rate comparison and see which company has the best price. Every company uses a different rate calculation, so rate quotes may be quite 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 Cheaper Dodge Ram 3500 Insurance

Getting lower rates on car insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, not filing small claims, and avoiding coverage lapses. Invest the time to shop around at every policy renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The list below is a condensed summary of the data illustrated above.

• Policyholders who purchase higher liability limits will pay about $650 annually to go from a low limit to a 250/500 level
• It is possible to save around $150 per year simply by quoting online in advance
• Increasing physical damage deductibles could save as much as $325 each year
• Teenagers pay the highest auto insurance prices, as much as $433 a month if the policy includes full coverage