Dodge Ram 3500 Insurance Rates

The average insurance rates for a Dodge Ram 3500 are $1,300 a year for full coverage insurance. Comprehensive costs approximately $220 a year, collision costs $288, and liability is $592. Liability-only insurance costs around $652 a year, with high-risk driver insurance costing around $2,790. 16-year-old drivers cost the most to insure at $5,190 a year or more.

Average premium for full coverage: $1,300

Policy rates by type of insurance:

Includes $500 physical damage insurance deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Ram 3500 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than congested cities.

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

The examples above illustrate why it is important to compare rates quotes 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 Charts and Tables

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

• The best full coverage rate is $788
• Raising to $1,000 deductibles will save $1,184 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,300
• Buying low $100 deductibles bumps up the cost to $1,520
• Drivers with multiple tickets or accidents could pay around $2,790 or more
• Policy cost that insures a 16-year-old driver can cost $5,190

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,500 to $2,200 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 129% more than the average rate. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $5,100 a year. View Rates by Age

Your home state also has a big influence on Dodge Ram 3500 insurance prices. A middle-age driver might find rates 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 can reduce rates by up to $340 annually, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $639 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes from multiple companies. Every auto insurance company utilizes a different rate formula, and quoted rates will be varied.

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 the Cheapest Dodge Ram 3500 Insurance

Finding cheaper rates on insurance for a Dodge Ram 3500 consists of being a low-risk driver, maintaining a good credit score, being claim-free, and not having any coverage lapses. Comparison shop every year by obtaining price quotes from direct insurance companies, and also from your local car insurance providers.

The items below are a recap of the coverage data covered in the charts and tables above.

• It is possible to save around $150 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• Teen drivers have the highest car insurance rates, possibly costing $433 each month if the policy includes full coverage
• Drivers considered higher risk that have major violations or accidents could be charged and average of $1,490 more per year to insure their Ram 3500