Dodge Ram 3500 Insurance Rates

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

Average premium for full coverage: $1,300

Policy rates for type of insurance:

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for different Ram 3500 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than densely populated cities. The price range example below illustrates how rural and urban location affects auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, instead of using average rates.

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

Rates by State, City, and Model

The chart below details average Dodge Ram 3500 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $788
• Choosing higher $1,000 deductibles can save about $116 annually
• The average price for a good driver age 40 using $500 deductibles is $1,300
• Using more expensive low deductibles for comp and collision coverage increases the price to $1,520
• Unlucky drivers who are prone to accidents and violations could pay at least $2,790
• Policy cost to insure a teen driver with full coverage can be $5,190 each year

View Chart as Image

Insurance rates for a Dodge Ram 3500 also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.

Using high physical damage deductibles can save as much as $340 every year, while increasing your policy's liability limits will increase rates. Moving 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

An older driver with no violations or accidents and higher deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $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 may be forking out at least $1,500 to $2,200 additional every year, depending on your age. High-risk driver insurance ranges as much as 42% to 129% more than a normal policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Dodge Ram 3500 insurance prices. A good driver about age 40 could pay as low as $930 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,750 on average in Florida, Michigan, and New York.

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 Cheaper Dodge Ram 3500 Insurance

Finding cheaper rates on car insurance takes being a good driver, having above-average credit, not filing small claims, and deciding if full coverage is necessary. Set aside time to shop around every time your policy renews by getting quotes from direct companies, and also from several local insurance agents.

The following list is a condensed summary of the information raised in the charts and tables above.

• You may be able to save up to $150 per year just by shopping early and online
• Drivers age 16 to 20 are charged the highest rates, as much as $433 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• Higher risk drivers with multiple at-fault accidents pay on average $1,490 more every year than a safer driver
• Policyholders who may need an increased level of liability coverage will pay an extra $650 every year to raise limits from a 30/60 limit to a 250/500 level