Dodge Ram 3500 Insurance Rates

Average insurance rates for a Dodge Ram 3500 are $1,300 a year with full coverage. Comprehensive costs an estimated $220, collision costs $288, and liability costs $592. A policy with just liability insurance costs as little as $652 a year, with coverage for high-risk drivers costing around $2,790. Teen drivers receive the highest rates at $5,190 a year or more.

Average premium for full coverage: $1,300

Rate estimates broken down by individual coverage type:

Prices are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for all Ram 3500 models.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on car insurance rates. More rural locations tend to have a lower frequency of collision claims than larger metro areas.

The example below illustrates how geographic area affects insurance prices.

These examples demonstrate why everyone should compare rates for a targeted area and risk profile, instead of using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $788
• Drivers who choose higher $1,000 deductibles will pay approximately $116 annually
• The average rate for a 40-year-old driver who has $500 deductibles is $1,300
• Choosing pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,520
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,790 or more
• The cost for full coverage for a teen driver for full coverage can cost as much as $5,190 a year

View Chart as Image

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

A more mature driver with no violations or accidents and high deductibles may pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay at least $5,100 a year. View Rates by Age

Where you live makes a big difference in Dodge Ram 3500 insurance prices. A 40-year-old driver could pay as low as $930 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,750 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could save up to $340 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $639 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out $1,500 to $2,200 additional per year, depending on your age. Dodge Ram 3500 insurance for high-risk drivers can cost as much as 42% to 129% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to find out which company is cheapest is to regularly compare rates and see which company has the best rate. Every company uses a different rate calculation, and 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 Affordable Dodge Ram 3500 Insurance

Saving money on car insurance not only requires being a safe and courteous driver, but also having a good credit history, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates at every other renewal by requesting quotes from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.

Below is a brief review of the concepts that were presented in the illustrations above.

• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,490 more annually for auto insurance
• Teenage drivers are expensive to insure, with premiums as much as $433 per month including comprehensive and collision insurance
• You may be able to save approximately $150 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles can save around $325 each year
• You may be able to save approximately $150 per year simply by quoting online well ahead of the renewal date