Dodge Ram 3500 Insurance Rates

U.S. average insurance prices for a Dodge Ram 3500 are $1,300 every 12 months with full coverage. Comprehensive insurance costs an estimated $220, collision insurance costs $288, and liability coverage costs around $592. A policy with just liability insurance costs as low as $652 a year, and coverage for high-risk drivers costs $2,790 or more. Teenage drivers pay the highest rates at up to $5,190 a year.

Average premium for full coverage: $1,300

Price estimates broken down by individual coverage:

Estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for different Ram 3500 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance rates. More rural locations have more infrequent collision claims than densely populated cities. The price range example below illustrates how rural and urban location affects insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, rather than using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $788
• Using higher $1,000 deductibles will save approximately $116 annually
• The average price for the average middle-age driver who has $500 deductibles is $1,300
• Using more expensive low deductibles for physical damage coverage costs an extra $220 each year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,790
• The price to insure a teenage driver with full coverage can cost as much as $5,190 or more

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Insurance prices for a Dodge Ram 3500 are also quite variable based on deductibles and policy limits, your driving record, and the model year and trim level.

Using high physical damage deductibles could cut prices by as much as $340 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $639 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may only pay around $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay at least $5,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out $1,500 to $2,200 extra each year, depending on your age. High-risk driver insurance can be around 42% to 129% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Dodge Ram 3500 insurance rates. A driver around age 40 might see prices as low as $930 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,750 on average in New York, Michigan, and Florida.

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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 Shop for Low Cost Dodge Ram 3500 Insurance

Getting lower rates on auto insurance requires having a decent driving record, having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Set aside time to shop around every couple of years by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a review of the material that was raised in the charts and tables above.

• Consumers who want additional liability coverage will pay an extra $650 every year to increase from a low limit to a 250/500 level
• 16 to 18-year-old drivers are charged the highest prices, costing up to $433 a month if they have full coverage
• Drivers who have several accidents or serious violations may pay on average $1,490 more annually than a driver with a clean driving record
• Increasing physical damage deductibles could save as much as $325 each year