Dodge Ram 3500 Insurance Rates

U.S. average insurance prices for a Dodge Ram 3500 are $1,300 every 12 months for full coverage insurance. Comprehensive costs an estimated $220, collision costs $288, and liability insurance is estimated at $592. A policy with just liability insurance costs approximately $652 a year, with coverage for high-risk drivers costing around $2,790. Teens pay the highest rates at $5,190 a year or more.

Average premium for full coverage: $1,300

Price estimates broken down by individual coverage:

Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for different Ram 3500 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on the price of insurance. More rural locations have more infrequent physical damage claims than cities with more traffic congestion.

The price range example below illustrates how where you live affects insurance prices.

The ranges above illustrate why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, rather than relying on averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $788
• Choosing higher $1,000 deductibles can save approximately $116 each year
• The average price for the average middle-age driver who has $500 deductibles is $1,300
• Selecting more expensive low deductibles for comp and collision coverage increases the price to $1,520
• High-risk insureds with serious driving violations could pay up to $2,790 or more
• The price to insure a teen driver with full coverage can cost as much as $5,190 each year

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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 year and trim level.

Choosing higher comprehensive and collision insurance deductibles can save as much as $340 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $639 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles could pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay at least $5,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying $1,500 to $2,200 extra each year, depending on your age. High-risk driver insurance ranges anywhere from 42% to 129% more than the average policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Dodge Ram 3500 insurance rates. A good driver about age 40 could pay as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,750 on average in Florida, New York, and Michigan.

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Since prices can be so different, the only way to figure out which car insurance is cheapest is to compare prices from as many companies as possible. Each auto insurer calculates prices differently, 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 Low Cost Dodge Ram 3500 Insurance

Getting lower rates on Dodge Ram 3500 insurance takes being safe and accident-free, having good credit, not filing small claims, and taking advantage of discounts. Take the time to comparison shop every time your policy renews by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a review of the information touched on in the above illustrations.

• It is possible to save approximately $150 per year simply by shopping early and online
• Youthful drivers are charged the highest prices, as much as $433 a month if they have full coverage
• Increasing physical damage deductibles could save as much as $325 each year
• High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,490 more annually than a low-risk driver
• Drivers who want more liability protection will pay approximately $650 annually to raise limits from a low limit to a 250/500 level