Dodge Ram 3500 Insurance Rates

Average insurance rates for a Dodge Ram 3500 are $1,300 a year with full coverage. Comprehensive costs approximately $220 each year, collision costs $288, and liability is estimated at $592. Buying just liability costs approximately $652 a year, with insurance for high-risk drivers costing around $2,790. Teenage drivers receive the highest rates at $5,190 a year or more.

Average premium for full coverage: $1,300

Rate estimates by individual coverage type:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and Ram 3500 models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on the price of insurance. Rural locations tend to have a lower frequency of collision claims than densely populated cities.

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

These examples demonstrate why all drivers should get quotes using their specific location and risk profile, 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 additional coverage and risk scenarios.

• The best discount rate is $788
• Choosing higher $1,000 deductibles can save $116 annually
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,300
• Using low deductibles for comp and collision coverage will increase the cost to $1,520
• Unlucky drivers who are prone to accidents and violations could pay around $2,790 or more
• The cost for full coverage for a teen driver can cost $5,190 each year

View Chart as Image

Auto insurance rates for a Dodge Ram 3500 can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high deductibles may pay as little as $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay in the ballpark of $5,100 a year. View Rates by Age

Where you live 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 Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,750 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $340 every year, whereas increasing liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $639 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,500 to $2,200 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges as much as 42% to 129% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison and see which company has the best rate. Each auto insurer uses a different method to calculate rates, and quoted rates can be significantly 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 Cheapest Dodge Ram 3500 Insurance

Saving money on car insurance takes being a good driver, having good credit, eliminating unnecessary coverage, and not having any coverage lapses. Take the time to compare rates every time your policy renews by requesting quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

The following list is a recap of the information covered in the above illustrations.

• You may be able to save around $150 per year simply by quoting online in advance
• Drivers age 16 to 20 have the highest car insurance rates, with premiums as much as $433 per month if they have full coverage
• Increasing deductibles can save around $325 each year
• Higher risk drivers that have major violations or accidents pay on average $1,490 more per year than a safer driver
• Policyholders who purchase an increased level of liability coverage will pay an extra $650 every year to raise limits from a minimum limit to 250/500 limits