Dodge Ram 3500 Insurance Rates

Estimated auto insurance rates for a Dodge Ram 3500 are $1,300 annually for full coverage insurance. Comprehensive insurance costs approximately $220, collision insurance costs $288, and liability coverage costs $592. A liability-only policy costs as little as $652 a year, and high-risk insurance costs $2,790 or more. Teen drivers pay the most at up to $5,190 a year.

Average premium for full coverage: $1,300

Premium estimates by type of coverage:

These estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for different Ram 3500 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than larger metro areas. The price range example below illustrates the effect of geographic area on auto insurance prices.

These rate differences illustrate why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, rather than using price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $788
• Drivers who choose higher $1,000 deductibles will pay $116 each year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,300
• Choosing more expensive low deductibles for comprehensive and collision insurance costs an additional $220 each year
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,790
• An auto insurance policy with full coverage for a teenage driver with full coverage can cost $5,190 a year

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Auto insurance prices for a Dodge Ram 3500 also have a wide range based on the model of your Ram 3500, your risk profile, and physical damage deductibles and liability limits.

An older driver with a good driving record and high physical damage deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay in the ballpark of $5,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,500 to $2,200 in extra premium annually, depending on your age. High-risk driver insurance can cost around 42% to 129% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $340 a year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $639 extra every year. View Rates by Deductible or Liability Limit

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

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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 Cheap Dodge Ram 3500 Insurance

Finding better rates on auto insurance not only requires being safe and accident-free, but also having above-average credit, paying for small claims out-of-pocket, and possibly higher deductibles. Take the time to compare rates once a year by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

Below you'll find a brief summary of the data that was covered in the above illustrations.

• It is possible to save around $150 per year just by shopping early and online
• Consumers who purchase more liability protection will pay about $650 annually to go from 30/60 bodily injury limits to higher 250/500 limits
• Youthful drivers have the highest car insurance prices, with premiums being up to $433 per month if full coverage is included
• Drivers that tend to have accidents or serious violations could be forced to pay on average $1,490 more per year than a low-risk driver