Dodge Ram 3500 Insurance Rates

The average insurance prices for a Dodge Ram 3500 are $1,300 every 12 months including full coverage. Comprehensive insurance costs approximately $220, collision costs $288, and liability insurance costs $592. Buying just liability costs as little as $652 a year, with insurance for high-risk drivers 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 by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Ram 3500 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how where you live affects auto insurance prices.

The examples above highlight why everyone should compare rates using their specific location and their own driving history, rather than relying on averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $788
• Drivers who choose higher $1,000 deductibles will pay $116 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,300
• Selecting pricier low deductibles for comprehensive and collision insurance costs an extra $220 a year
• High risk drivers with serious driving violations could pay around $2,790 or more
• Policy cost to insure a teen driver for full coverage can cost $5,190 a year

View Chart as Image

Insurance rates for a Dodge Ram 3500 also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Ram 3500.

Choosing higher comprehensive and collision insurance deductibles could save up to $340 each year, whereas buying more liability protection will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $639 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher 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, since even excellent drivers can expect to pay in the ballpark of $5,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,500 to $2,200 extra every year, depending on your age. Dodge Ram 3500 insurance for high-risk drivers can cost anywhere from 42% to 129% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in Dodge Ram 3500 insurance rates. A 40-year-old driver could pay as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,850 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to regularly compare rates from as many companies as possible. Every company calculates rates differently, so the 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 Shop for Affordable Dodge Ram 3500 Insurance

Finding cheaper rates on Dodge Ram 3500 insurance not only requires having a decent driving record, but also having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to comparison shop every couple of years by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The following items are a brief review of the material that was touched on in the above illustrations.

• Drivers who purchase additional liability coverage will pay approximately $650 per year to go from a 30/60 limit to a 250/500 level
• 16 to 18-year-old drivers are expensive to insure, with premiums being up to $433 each month if they have full coverage
• High-risk drivers with DUI or reckless driving convictions could be charged and average of $1,490 more per year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles could save as much as $325 each year