Dodge Ram 3500 Insurance Rates

Average insurance rates for a Dodge Ram 3500 are $1,300 a year including full coverage. Comprehensive insurance costs approximately $220, collision costs $288, and liability costs around $592. A liability-only policy costs as low as $652 a year, with high-risk insurance costing $2,790 or more. 16-year-old 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:

Price estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for different Ram 3500 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than congested cities.

The price range example below illustrates the effect of geographic area on auto insurance prices.

These examples highlight why anyone shopping for car insurance should compare prices using their specific location and risk profile, instead of using rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $788
• Using higher $1,000 deductibles will save $116 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,300
• Buying more expensive low deductibles for physical damage coverage will cost an extra $220 every year
• Drivers with multiple tickets or accidents could pay around $2,790 or more
• The cost for full coverage for a teen driver with full coverage can cost $5,190 or more

View Chart as Image

Insurance rates for a Dodge Ram 3500 can also vary considerably based on your driver profile, the model of your Ram 3500, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles may pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay in the ballpark of $5,100 a year. View Rates by Age

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

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $340 every year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $639 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,500 to $2,200 extra per year, depending on your age. High-risk driver insurance can be as much as 42% to 129% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to compare rates and see which company has the best rate. Each insurance company utilizes a different rate formula, so the 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 Cheaper Dodge Ram 3500 Insurance

Saving money on car insurance requires having a good driving record, maintaining good credit, not filing small claims, and maximizing policy discounts. Take the time to compare rates every other policy renewal by obtaining price quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The next list is a condensed summary of the ideas that were covered in the above illustrations.

• Drivers age 20 and younger are expensive to insure, as much as $433 per month for full coverage
• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,490 more per year to buy Dodge Ram 3500 insurance
• Increasing deductibles can save around $325 each year
• You may be able to save around $150 per year simply by shopping early and online