Dodge Ram 3500 Insurance Rates

Estimated insurance rates for a Dodge Ram 3500 are $1,300 a year for full coverage. Comprehensive costs an estimated $220 a year, collision costs $288, and liability is $592. Liability-only insurance costs around $652 a year, with high-risk driver insurance costing around $2,790. Teens pay the most at $5,190 a year or more.

Average premium for full coverage: $1,300

Premium estimates broken down by type of coverage:

Estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates include averaging for all states and Ram 3500 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on insurance rates. More rural locations are statistically proven to have lower incidents of accident claims than cities with more traffic congestion.

The diagram below illustrates how location helps determine insurance prices.

These rate differences show why it is important to compare rates quotes for a targeted area, instead of using averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $788
• Raising to $1,000 deductibles will save approximately $1,184 a year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,300
• Selecting low $100 deductibles bumps up the cost to $1,520
• At-risk drivers with serious driving violations could pay up to $2,790 or more
• An auto insurance policy that insures a teen driver can cost as much as $5,190

View Chart as Image

Insurance prices for a Dodge Ram 3500 also have a wide range based on the trim level of your Ram 3500, how you drive, and liability limits and deductibles.

If you have a few violations or you caused an accident, you could be paying $1,500 to $2,200 additional annually, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 42% to 129% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision 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 teens with perfect driving records should be prepared to pay at least $5,100 a year. View Rates by Age

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 $860 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,850 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $340 every year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $639 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know which insurance company is cheapest is to get quotes and see which company has the best price. Every auto insurance company calculates prices differently, 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 Find Low Cost Dodge Ram 3500 Insurance

Finding better rates on car insurance consists of avoiding accidents and claims, having a good credit score, not filing small claims, and maximizing policy discounts. Compare rates every year by requesting rates from direct carriers, and also from your local independent and exclusive agents.

The points below are a review of the coverage data covered in the charts and tables above.

• Drivers can save approximately $150 per year simply by quoting early and online
• Increasing policy deductibles can save approximately $325 each year
• Drivers under the age of 20 are expensive to insure, as much as $433 per month if comprehensive and collision insurance is included
• Higher risk drivers who have several accidents or serious violations may pay on average $1,490 more annually to insure a Dodge Ram 3500