Dodge Ram 3500 Insurance Rates

Average insurance prices for a Dodge Ram 3500 are $1,300 every 12 months for full coverage. Comprehensive insurance costs approximately $220, collision costs $288, and liability costs around $592. Buying just liability costs as low as $652 a year, with insurance for high-risk drivers costing $2,790 or more. Teens receive the highest rates at $5,190 a year or more.

Average premium for full coverage: $1,300

Rate estimates by individual coverage type:

Prices include $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and for all Ram 3500 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance rates. Rural locations tend to have more infrequent accident claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

These examples show why everyone should compare prices using their specific location and their own driving history, instead of using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $788
• Using higher $1,000 deductibles will save $116 a year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,300
• Selecting pricier low deductibles for physical damage coverage costs an extra $220 every year
• Drivers with serious driving violations could pay around $2,790 or more
• The cost to insure a teen driver for full coverage can cost $5,190 or more

View Chart as Image

Auto insurance rates for a Dodge Ram 3500 can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your Ram 3500.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $340 every year, whereas buying more liability protection will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $639 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay in the ballpark of $5,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,500 to $2,200 in extra premium per year, depending on your age. Dodge Ram 3500 insurance for high-risk drivers can be as much as 42% to 129% more than the average policy. View High Risk Driver Rates

Where you live has a huge impact on Dodge Ram 3500 insurance prices. A driver around age 40 might see rates 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

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to regularly compare rates and see which company has the best rate. Each insurance company calculates rates differently, and quoted rates can be significantly 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 the Right Dodge Ram 3500 Insurance

Saving money on car insurance requires being a low-risk driver, having a good credit score, eliminating unneeded coverage, and not having any coverage lapses. Set aside time to compare rates every couple of years by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a quick rundown of the material that was covered above.

• Policyholders who purchase more liability coverage will pay approximately $650 each year to increase from a minimum limit to a 250/500 level
• Teen drivers have the highest car insurance rates, costing as high as $433 per month if comprehensive and collision insurance is included
• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,490 more per year to insure their Ram 3500
• Increasing deductibles could save as much as $325 each year