Dodge Ram 3500 Insurance Rates

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

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

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than cities with more traffic congestion.

The diagram below illustrates how where you live affects auto insurance rates.

These examples illustrate why it is important to get quotes for a specific zip code and their own personal driving habits, rather than using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $788
• Choosing higher $1,000 deductibles can save about $1,184 each year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,300
• Selecting low $100 deductibles for comp and collision coverage costs an additional $220 each year
• Drivers with serious driving violations could pay at least $2,790 or more
• The cost with full coverage for a teenage driver can be $5,190 each year

View Chart as Image

Insurance rates for a Dodge Ram 3500 can also vary considerably based on the trim level of your Ram 3500, your risk profile, and deductibles and policy limits.

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,200 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at least $1,500 to $2,200 additional per year, depending on your age. A high-risk auto insurance policy ranges around 42% to 129% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $340 a year, while buying higher liability limits will increase rates. Switching 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 plays a big part in determining prices for Dodge Ram 3500 insurance rates. A good driver about age 40 could pay as low as $850 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,750 on average in Michigan, New York, and Florida.

View Chart as Image

With so much variability in rates, the only way to figure out your exact price is to get quotes and see how they stack up. Each auto insurer 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 More Affordable Dodge Ram 3500 Insurance

Saving money on auto insurance takes having a good driving record, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop every other policy renewal by quoting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The next list is a summary of the ideas that were touched on in the above illustrations.

• Drivers age 20 and younger are charged the highest rates, costing up to $433 per month if they have full coverage
• Drivers who have multiple accidents or major violations pay on average $1,490 more every year to buy Dodge Ram 3500 insurance
• Increasing deductibles could save up to $325 each year
• It is possible to save up to $150 per year simply by quoting early and online