Dodge Ram 3500 Insurance Rates

Estimated insurance rates for a Dodge Ram 3500 are $1,300 a year with full coverage. Comprehensive insurance costs around $220 a year, collision costs $288, and liability costs around $592. Liability-only coverage costs as low as $652 a year, with high-risk coverage 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 for type of coverage:

Prices are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and Ram 3500 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than densely populated cities.

The diagram below illustrates how location impacts auto insurance rates.

These rate differences demonstrate why it is important to compare prices for a specific zip code and risk profile, instead of making a decision based on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $788
• Using higher $1,000 deductibles will save about $1,184 annually
• The average rate for a 40-year-old good driver using $500 deductibles is $1,300
• Using low $100 deductibles for physical damage coverage will cost an extra $220 annually
• High-risk insureds who are prone to accidents and violations could pay at least $2,790 or more
• An auto insurance policy for full coverage for a 16-year-old driver can be $5,190 or more

View Chart as Image

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

Older drivers with a clean driving record and high deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay as much as $5,100 a year. View Rates by Age

Where you choose to live has a huge impact on Dodge Ram 3500 insurance prices. A driver around age 40 might see prices 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

Using high physical damage deductibles could cut prices by as much as $340 annually, while buying higher liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $639 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at least $1,500 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy can be from 42% to 129% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to find out your exact price is to get quotes from multiple companies. Each insurance company uses a different method to calculate prices, so the prices will be substantially 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 Affordable Dodge Ram 3500 Insurance

Finding better rates on insurance for a Dodge Ram 3500 requires avoiding accidents and violations, maintaining good credit, being claim-free, and insuring your home and auto with the same company. Spend time shopping around once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The list below is a brief review of the data that was touched on above.

• You may be able to save up to $150 per year simply by quoting early and online
• Insureds who may need higher liability limits will pay an extra $650 every year to increase from 30/60 bodily injury limits to 250/500 limits
• Teenagers pay higher prices, possibly costing $433 per month for full coverage
• Drivers considered higher risk with DUI or reckless driving convictions pay an average of $1,490 more every year for car insurance