Dodge Ram 3500 Insurance Rates

U.S. average auto insurance rates for a Dodge Ram 3500 are $1,300 annually including full coverage. Comprehensive insurance costs approximately $220, collision costs $288, and liability insurance costs around $592. Buying just liability costs as low as $652 a year, with insurance for high-risk drivers costing $2,790 or more. Teens pay the highest rates at $5,190 a year or more.

Average premium for full coverage: $1,300

Price estimates by individual coverage:

Estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for all Ram 3500 models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance prices. Rural locations have fewer comprehensive and collision claims than cities with more traffic congestion.

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

The ranges above highlight why everyone should compare prices using their specific location and their own personal driving habits, rather than relying on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $788
• Using higher $1,000 deductibles will save $116 every year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,300
• Selecting pricier low deductibles for physical damage coverage costs an additional $220 a year
• Drivers with serious driving violations could pay around $2,790 or more
• The price with full coverage for a teen driver for full coverage can cost $5,190 or more

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Insurance prices for a Dodge Ram 3500 are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,200 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,200 additional each year, depending on your age. Dodge Ram 3500 insurance for high-risk drivers can be anywhere from 42% to 129% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $340 each year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $639 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Dodge Ram 3500 insurance rates. A driver around age 40 might see prices as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,850 on average in Louisiana, New York, and Michigan.

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Since prices can be so different, the best way to figure out who has the best auto insurance prices is to regularly compare prices from as many companies as possible. Each insurance company calculates prices differently, and prices may be quite different between companies.

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 Buy Low Cost Dodge Ram 3500 Insurance

Getting lower rates on Dodge Ram 3500 insurance requires being a safe and courteous driver, having good credit, being claim-free, and qualifying for all possible discounts. Take the time to comparison shop at least once a year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

Below is a review of the primary concepts that were touched on in the above illustrations.

• You may be able to save around $150 per year simply by quoting online well ahead of the renewal date
• High-risk drivers who have several accidents or serious violations may have to pay on average $1,490 more per year for auto insurance
• Increasing physical damage deductibles could save up to $325 each year
• Teenage drivers are the costliest to insure, possibly costing $433 a month if they have full coverage