Dodge Ram 3500 Insurance Rates

Estimated insurance prices for a Dodge Ram 3500 are $1,300 every 12 months including full coverage. Comprehensive insurance costs approximately $220 each year, collision costs $288, and liability is $592. Liability-only insurance costs around $652 a year, with high-risk driver insurance 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 by type of coverage:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and Ram 3500 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.

The graphic below illustrates how your location can change auto insurance prices.

These rate differences highlight why all drivers should compare rates quotes using their specific location and their own driving history, instead of using average rates.

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 best discount rate is $788
• Raising to $1,000 deductibles will save $116 every year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,300
• Using low deductibles costs an extra $220 every year
• At-risk drivers who are prone to accidents and violations could pay around $2,790 or more
• An auto insurance policy to insure a teen driver can cost $5,190

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Insurance prices for a Dodge Ram 3500 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model of your Ram 3500.

Using high physical damage deductibles can reduce prices by up to $340 every year, whereas increasing liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $639 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,500 to $2,200 additional annually, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 42% to 129% more than a normal policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Dodge Ram 3500 insurance prices. A middle-age driver might find prices as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,850 on average in Louisiana, New York, and Michigan.

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With such a large range in prices, the best way to figure out who has the best auto insurance prices is to do a rate comparison and see which company has the best price. Every auto insurance company uses a different method to calculate prices, and prices will be substantially 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 Affordable Dodge Ram 3500 Insurance

Finding better rates on car insurance consists of having a decent driving record, having above-average credit, refrain from filing small claims, and qualifying for all possible discounts. Invest the time to shop around every year by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The following items are a brief review of the coverage data illustrated above.

• You may be able to save around $150 per year simply by quoting online in advance
• Increasing policy deductibles could save as much as $325 each year
• 16 to 18-year-old drivers are the costliest to insure, with the cost nearing $433 per month if full coverage is included
• Higher risk drivers with DUI or reckless driving convictions could be charged and average of $1,490 more per year than a driver with a clean driving record