Dodge Ram 3500 Insurance Rates

Average insurance rates for a Dodge Ram 3500 are $1,300 a year for full coverage insurance. Comprehensive insurance costs approximately $220 each year, collision costs $288, and liability costs $592. Buying just liability costs as little as $652 a year, with insurance for high-risk drivers costing $2,790 or more. 16-year-old drivers 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 are based on $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and Ram 3500 models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than congested cities.

The graphic below illustrates how location impacts auto insurance prices.

These examples illustrate why all drivers should compare rates using their specific location, instead of making a decision based on rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $788
• Drivers who choose higher $1,000 deductibles will pay $116 each year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,300
• Buying low deductibles for comprehensive and collision insurance will cost an additional $220 annually
• Drivers with multiple tickets or accidents could pay around $2,790 or more
• The cost that insures a 16-year-old driver can cost $5,190 a year

View Chart as Image

Auto insurance rates for a Dodge Ram 3500 can also vary considerably based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,500 to $2,200 in extra premium per year, depending on your age. Insurance for high-risk drivers can cost from 42% to 129% more than the average rate. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,100 a year. View Rates by Age

Where you live makes a big difference in Dodge Ram 3500 insurance prices. A 40-year-old driver could pay as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,750 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $340 annually, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $639 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out who has the best car insurance rates is to do a rate comparison from multiple companies. Every company utilizes a different rate formula, 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 Find Affordable Dodge Ram 3500 Insurance

Saving money on insurance for a Dodge Ram 3500 not only requires being safe and accident-free, but also maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Comparison shop at least once a year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

Below you'll find a brief review of the primary concepts that were touched on above.

• It is possible to save around $150 per year simply by quoting online in advance
• Drivers considered higher risk with DUI or reckless driving convictions could be charged and average of $1,490 more per year than a low-risk driver
• Increasing deductibles can save approximately $325 each year
• Youthful drivers have the highest car insurance rates, costing up to $433 per month if the policy includes full coverage