Dodge Ram 3500 Insurance Rates

The average insurance rates for a Dodge Ram 3500 are $1,300 a year including full coverage. Comprehensive insurance costs around $220 a year, collision insurance costs $288, and liability is estimated at $592. Buying just liability costs approximately $652 a year, and insurance for high-risk drivers costs $2,790 or more. Teen drivers cost the most to insure at up to $5,190 a year.

Average premium for full coverage: $1,300

Policy rates for type of insurance:

Estimates include $500 deductible amounts, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Ram 3500 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than larger metro areas. The diagram below illustrates how location impacts auto insurance rates.

The examples above highlight why it is important to get quotes for a specific zip code, instead of making a decision based on price averages.

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

Rate Comparisons

The chart below breaks down average Dodge Ram 3500 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $788
• Choosing higher $1,000 deductibles can save about $1,184 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,300
• Choosing low $100 deductibles for comp and collision coverage will cost an additional $220 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $2,790
• Policy cost that insures a 16-year-old driver can be $5,190 each year

View Chart as Image

Insurance rates for a Dodge Ram 3500 also range considerably based on the trim level of your Ram 3500, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,500 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy ranges from 42% to 129% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay as much as $5,100 a year. View Rates by Age

Your home state plays a big part in determining prices for Dodge Ram 3500 insurance prices. A good driver about age 40 could pay as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,850 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles can save as much as $340 annually, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $639 more per year. View Rates by Deductible or Liability Limit

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 cheaper rates on insurance for a Dodge Ram 3500 takes having a good driving record, having above-average credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Shop around every other policy renewal by getting rate quotes from direct car insurance companies, and also from local insurance agencies.

The next list is a review of the ideas that were touched on above.

• Drivers age 20 and younger pay higher rates, with premiums being up to $433 each month if full coverage is included
• Drivers considered higher risk who have several accidents or serious violations may have to pay on average $1,490 more every year to buy Dodge Ram 3500 insurance
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• You may be able to save up to $150 per year just by quoting early and online