Dodge Ram 3500 Insurance Rates

The average auto insurance rates for a Dodge Ram 3500 are $1,300 annually with full coverage. Comprehensive insurance costs an estimated $220 a year, collision costs $288, and liability insurance costs $592. A liability-only policy costs as little as $652 a year, with high-risk insurance costing $2,790 or more. Teens cost the most to insure at $5,190 a year or more.

Average premium for full coverage: $1,300

Policy rates broken down by type of insurance:

Rate estimates include $500 deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and Ram 3500 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. More rural locations are shown to have fewer collision claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects insurance prices.

The examples above demonstrate why it is important to compare rates for a targeted area and their own personal driving habits, rather than relying on averaged prices.

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

More Rate Information

The chart below details estimated Dodge Ram 3500 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $788
• Drivers who choose higher $1,000 deductibles will pay approximately $1,184 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,300
• Selecting low $100 deductibles for comprehensive and collision insurance costs an additional $220 a year
• High risk drivers with serious driving violations could pay up to $2,790 or more
• Policy cost with full coverage for a teen driver can cost as much as $5,190 a year

View Chart as Image

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

Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged at least $5,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,500 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 129% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $340 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $639 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Dodge Ram 3500 insurance rates. A 40-year-old driver could pay 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.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes from as many companies as possible. Every company calculates rates differently, so rate quotes will be varied 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 the Best Dodge Ram 3500 Insurance

Finding cheaper rates on Dodge Ram 3500 insurance not only requires not taking risks behind the wheel, but also having a good credit score, not filing small claims, and not having any coverage lapses. Invest the time to compare rates every couple of years by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a brief recap of the material that was presented in the illustrations above.

• Drivers who want higher liability limits will pay approximately $650 every year to go from a 30/60 limit to higher 250/500 limits
• Teens have the highest car insurance rates, as much as $433 each month if comprehensive and collision insurance is included
• High-risk drivers who tend to receive serious violations pay on average $1,490 more annually for Ram 3500 insurance
• Increasing comprehensive and collision deductibles could save up to $325 each year