Dodge Ram 3500 Insurance Rates

Average auto insurance rates for a Dodge Ram 3500 are $1,300 annually with full coverage. Comprehensive insurance costs approximately $220, collision costs $288, and liability costs around $592. A policy with just liability insurance costs as low as $652 a year, with coverage 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:

These estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. 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 the price of insurance. Rural locations tend to have fewer collision claims than cities with more traffic congestion.

The example below illustrates how location helps determine auto insurance prices.

These examples demonstrate why everyone should compare prices using their specific location and their own personal driving habits, instead of using averaged prices.

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

Additional Rate Details

The chart below details 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 annually
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,300
• Selecting pricier low deductibles for physical damage coverage costs an additional $220 every year
• Drivers with serious driving violations could pay around $2,790 or more
• The cost with full coverage for a teen driver for full coverage can cost $5,190 or more

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Insurance rates for a Dodge Ram 3500 can also vary considerably based on the trim level of your Ram 3500, your driving record, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,500 to $2,200 additional 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

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. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $639 more each year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Dodge Ram 3500 insurance prices. A driver around age 40 might see rates as low as $930 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,750 on average in New York, Michigan, and Florida.

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With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates and see which company has the best rate. Each insurance company calculates rates differently, and rates can be significantly 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 Cheap Dodge Ram 3500 Insurance

Saving money on car insurance requires avoiding accidents and claims, having good credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest time comparing rates once a year by getting rate quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The points below are a brief summary of the data that was covered in the charts and tables above.

• You may be able to save around $150 per year simply by quoting online well ahead of the renewal date
• Policyholders who purchase increased liability limits will pay approximately $650 every year to increase from a minimum limit to higher 250/500 limits
• Drivers under the age of 20 are the costliest to insure, with premiums as much as $433 per month if they have full coverage
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,490 more per year to insure a Dodge Ram 3500