Dodge Ram 3500 Insurance Rates

Average insurance prices for a Dodge Ram 3500 are $1,300 every 12 months for full coverage. Comprehensive insurance costs an estimated $220, collision costs $288, and liability costs $592. Liability-only coverage costs as little as $652 a year, with high-risk coverage costing $2,790 or more. Teen drivers receive the highest rates at $5,190 a year or more.

Average premium for full coverage: $1,300

Rate estimates broken down by individual coverage type:

Prices include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for different Ram 3500 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on insurance rates. More rural locations tend to have more infrequent accident claims than larger metro areas.

The price range example below illustrates how location impacts insurance prices.

These examples show why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, instead of using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $788
• Drivers who choose higher $1,000 deductibles will pay approximately $116 a year
• The average price for a 40-year-old driver who has $500 deductibles is $1,300
• Choosing more expensive low deductibles for comprehensive and collision insurance costs an extra $220 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,790 or more
• The cost to insure a teen driver with full coverage can cost as much as $5,190 a year

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Car insurance rates for a Dodge Ram 3500 can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.

Choosing high deductibles could save up to $340 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $639 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged at least $5,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying $1,500 to $2,200 extra per year, depending on your age. High-risk driver insurance can cost as much as 42% to 129% more than average. View High Risk Driver Rates

Where you live makes a big difference in Dodge Ram 3500 insurance prices. A 40-year-old driver could pay as low as $860 a year in states like Iowa, Maine, and Idaho, or as much as $1,850 on average in New York, Louisiana, and Michigan.

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With so much variability in rates, the only way to know which company is cheapest is to compare rates and see which company has the best rate. Every company uses a different rate calculation, so rate quotes can be significantly different.

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 the Right Dodge Ram 3500 Insurance

Saving money on car insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, eliminating unneeded coverage, and not having any coverage lapses. Spend time shopping around at every other renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a quick rundown of the concepts that were touched on above.

• Higher risk drivers with reckless driving or DUI convictions pay on average $1,490 more annually for car insurance
• Teenagers have the highest car insurance rates, costing as high as $433 per month if the policy includes full coverage
• Drivers can save approximately $150 per year simply by shopping early and online
• Increasing deductibles could save as much as $325 each year
• Drivers can save approximately $150 per year simply by shopping early and online