Dodge Ram 3500 Insurance Rates

U.S. average insurance prices for a Dodge Ram 3500 are $1,346 every 12 months for full coverage insurance. Comprehensive costs approximately $236 each year, collision costs $314, and liability costs around $596. A policy with just liability insurance costs as low as $656 a year, with coverage for high-risk drivers costing around $2,894. 16-year-old drivers pay the highest rates at $5,346 a year or more.

Average premium for full coverage: $1,346

Price estimates by individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and Ram 3500 models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on the price of auto insurance. Rural locations have more infrequent physical damage claims than congested cities.

The graphic below illustrates the difference location can make on auto insurance prices.

The ranges above illustrate why all drivers should compare prices using their specific location and their own driving history, instead of making a decision based on rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $811
• Using higher $1,000 deductibles will save $124 each year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,346
• Buying low deductibles for physical damage coverage increases the price to $1,586
• High-risk insureds with multiple tickets or accidents could pay around $2,894 or more
• The price to insure a 16-year-old driver can cost $5,346 or more

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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.

Opting for high physical damage deductibles could cut prices by as much as $370 annually, 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 $645 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as low as $1,300 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay in the ballpark of $5,300 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 $1,600 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers can be from 41% to 133% more than the average rate. View High Risk Driver Rates

The state you live in has a huge impact on Dodge Ram 3500 insurance prices. A driver around age 40 might see prices as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,820 on average in Florida, New York, and Michigan.

View Chart as Image

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 from multiple companies. Each insurance company utilizes a different rate formula, so the prices 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 the Best Dodge Ram 3500 Insurance

Getting lower rates on insurance for a Dodge Ram 3500 requires having a decent driving record, having good credit, not filing small claims, and maximizing policy discounts. Make time to compare rates at least once a year by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following items are a brief recap of the primary concepts that were touched on in this article.

• It is possible to save around $150 per year simply by quoting online in advance
• Drivers considered higher risk who tend to receive serious violations may have to pay on average $1,550 more per year than a driver with a clean driving record
• Increasing physical damage deductibles could save as much as $375 each year
• 16 to 18-year-old drivers are expensive to insure, as much as $446 a month if they have full coverage