Dodge Ram 3500 Insurance Rates

Estimated auto insurance rates for a Dodge Ram 3500 are $1,300 annually for full coverage insurance. Comprehensive insurance costs around $220 each year, collision costs $288, and liability costs around $592. A policy with only liability insurance costs as low as $652 a year, with a high-risk policy costing $2,790 or more. 16-year-old drivers pay the most at $5,190 a year or more.

Average premium for full coverage: $1,300

Premium estimates for type of coverage:

Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and Ram 3500 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than congested cities.

The graphic below illustrates how geographic area affects auto insurance rates.

These rate differences illustrate why all drivers should compare prices for a specific zip code and their own personal driving habits, instead of using rate averages.

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

Additional Rate Analysis

The chart below illustrates estimated Dodge Ram 3500 insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $788
• Using higher $1,000 deductibles will save about $116 each year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,300
• Buying low deductibles for physical damage coverage costs an additional $220 every year
• Drivers with multiple tickets or accidents could pay at least $2,790 or more
• An auto insurance policy with full coverage for a teen driver can be $5,190 or more

View Chart as Image

Car insurance prices for a Dodge Ram 3500 also have a wide range based on the model of your Ram 3500, your risk profile, and deductibles and policy limits.

More mature drivers with no driving violations and high physical damage deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged as much as $5,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at least $1,500 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers can be as much as 42% to 129% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $340 every year, whereas increasing liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $639 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Dodge Ram 3500 insurance prices. A driver around age 40 might see prices as low as $850 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,750 on average in Michigan, New York, and Florida.

View Chart as Image

With such a large range in prices, the only way to figure out your exact price is to do a rate comparison and see which company has the best price. Each insurance company utilizes a different rate formula, so rate quotes will be substantially 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 More Affordable Dodge Ram 3500 Insurance

Finding better rates on car insurance requires avoiding accidents and violations, having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest the time to compare rates at least once a year by obtaining price quotes from direct insurance companies, and also from several local insurance agents.

The list below is a summary of the primary concepts that were presented in the illustrations above.

• It is possible to save up to $150 per year simply by quoting online in advance
• Higher risk drivers who have multiple accidents or major violations pay on average $1,490 more every year for car insurance
• Increasing policy deductibles could save up to $325 each year
• Teenagers are the costliest to insure, with premiums being up to $433 per month if comprehensive and collision insurance is included