Dodge Ram 3500 Insurance Rates

Estimated insurance rates for a Dodge Ram 3500 are $1,346 a year for full coverage. Comprehensive costs an estimated $236 a year, collision insurance costs $314, and liability costs $596. Liability-only coverage costs as little as $656 a year, and high-risk coverage costs around $2,894. Teens pay the most at up to $5,346 a year.

Average premium for full coverage: $1,346

Premium estimates broken down by type of coverage:

Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all states and Ram 3500 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on insurance rates. More rural locations are statistically proven to have lower incidents of accident claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on insurance prices.

These rate differences show why it is important to compare rates for a targeted area, instead of using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $811
• Drivers who choose higher $1,000 deductibles will pay approximately $1,222 a year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,346
• Selecting low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,586
• Higher-risk drivers with serious driving violations could pay up to $2,894
• An auto insurance policy that insures a teen driver can cost as much as $5,346 a year

View Chart as Image

Insurance prices for a Dodge Ram 3500 also have a wide range based on the trim level of your Ram 3500, how you drive, and liability limits and deductibles.

If you have a few violations or you caused an accident, you could be paying $1,600 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy can cost as much as 41% to 133% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay at least $5,300 a year. View Rates by Age

Where you choose to live makes a big difference in Dodge Ram 3500 insurance prices. A 40-year-old driver could pay as low as $890 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,920 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $370 every year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $645 more per year. View Rates by Deductible or Liability Limit

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 Best Cheap Dodge Ram 3500 Insurance

Finding better rates on car insurance not only requires having a decent driving record, but also having above-average credit, not filing small claims, and deciding if full coverage is necessary. Compare rates once a year by quoting rates from direct carriers, and also from your local independent and exclusive agents.

The following items are a quick review of the data that was covered in the above illustrations.

• Drivers can save approximately $150 per year just by quoting early and online
• Policyholders who want additional liability coverage will pay approximately $660 each year to go from 30/60 bodily injury limits to the 250/500 level
• 16 to 18-year-old drivers are charged the highest prices, as much as $446 per month if full coverage is included
• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,550 more annually than a driver with a clean driving record