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 on average $220, collision costs $288, and liability is estimated at $592. Liability-only insurance costs approximately $652 a year, with high-risk driver insurance costing around $2,790. Teens 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 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and for different Ram 3500 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than cities with more traffic congestion.

The price range example below illustrates how geographic area affects car insurance rates.

The examples above illustrate why anyone shopping for car insurance should get quotes based on a specific location, instead of using averaged prices.

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

Rates by State, City, and Model

The chart below illustrates estimated Dodge Ram 3500 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $788
• Choosing higher $1,000 deductibles can save around $116 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,300
• Selecting more expensive low deductibles for comp and collision coverage bumps up the cost to $1,520
• Unlucky drivers with serious driving violations could pay upwards of $2,790 or more
• Policy cost that insures a teen driver with full coverage may cost $5,190 each year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,500 to $2,200 in extra premium every year, depending on your age. High-risk driver insurance ranges as much as 42% to 129% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay upwards of $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 $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

Choosing higher comprehensive and collision insurance deductibles can save as much as $340 every year, while increasing your policy's liability limits will cost you more. 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 exactly what you will pay is to compare rates and see which company has the best rate. Each auto insurer calculates rates differently, 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 car insurance takes having a decent driving record, maintaining a good credit score, being claim-free, and taking advantage of discounts. Compare rates every couple of years by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following items are a recap of the material that was presented in the illustrations above.

• Policyholders who require additional liability coverage will pay approximately $650 annually to raise limits from a 30/60 limit to the 250/500 level
• 16 to 18-year-old drivers are charged the highest rates, possibly costing $433 each month if the policy includes full coverage
• Higher risk drivers that have major violations or accidents may pay on average $1,490 more each year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save approximately $325 each year