Dodge Ram 3500 Insurance Rates

Estimated insurance prices for a Dodge Ram 3500 are $1,300 every 12 months with full coverage. Comprehensive insurance costs an estimated $220, collision costs $288, and liability is $592. Liability-only insurance costs around $652 a year, with high-risk driver insurance costing $2,790 or more. 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:

Full coverage includes $500 deductible amounts, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for all Ram 3500 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on insurance prices.

These rate differences demonstrate why everyone should compare rates quotes for a targeted area and their own driving history, instead of using average rates.

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

Additional Rate Information

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

• The best discount rate is $788
• Raising to $1,000 deductibles will save approximately $116 annually
• The average price for a 40-year-old good driver who has $500 deductibles is $1,300
• Using pricier low deductibles costs an extra $220 every year
• At-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 for full coverage can cost as much as $5,190

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

Using high physical damage deductibles can reduce prices by up to $340 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost 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 pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared 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 may be forking out $1,500 to $2,200 additional annually, depending on your age. Dodge Ram 3500 insurance for high-risk drivers is expensive and can cost as much as 42% to 129% more than a normal policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Dodge Ram 3500 insurance prices. A middle-age driver might find prices as low as $930 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,750 on average in New York, Michigan, and Florida.

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With such a large range in prices, the best way to find out which insurance company is cheapest is to regularly compare prices and see which company has the best price. Every auto insurance company uses a different method to calculate prices, and 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 More Affordable Dodge Ram 3500 Insurance

Finding better rates on car insurance consists of having a good driving record, having above-average credit, being claim-free, and maximizing policy discounts. Set aside time to compare rates once a year by requesting quotes from direct companies, and also from your local independent and exclusive agents.

The next list is a summary of the data that was covered above.

• You may be able to save approximately $150 per year simply by quoting online well ahead of the renewal date
• Policyholders who want increased levels of liability coverage will pay an extra $650 every year to raise from 30/60 bodily injury limits to a 250/500 level
• Drivers age 20 and younger are expensive to insure, possibly costing $433 per month if full coverage is included
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,490 more annually to buy Dodge Ram 3500 insurance