Dodge Ram 3500 Insurance Rates

Average insurance rates for a Dodge Ram 3500 are $1,300 a year for full coverage insurance. Comprehensive costs on average $220, collision insurance costs $288, and liability is $592. A liability-only policy costs around $652 a year, and high-risk insurance costs around $2,790. Teens receive the highest rates at up to $5,190 a year.

Average premium for full coverage: $1,300

Rate estimates by individual coverage type:

Prices include $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and for different Ram 3500 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on insurance rates. Rural areas tend to have lower incidents of physical damage claims than cities with more traffic congestion. The price range example below illustrates the difference location can make on car insurance rates.

These examples illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

The chart below illustrates average Dodge Ram 3500 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $788
• Raising to $1,000 deductibles will save around $116 each year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,300
• Selecting more expensive low deductibles bumps up the cost to $1,520
• Drivers with serious driving violations could pay upwards of $2,790
• The cost that insures a 16-year-old driver with full coverage may cost $5,190

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Insurance rates for a Dodge Ram 3500 can also vary considerably based on the model year and trim level, your age and driving record, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are probably paying at a minimum $1,500 to $2,200 extra per year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 129% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay upwards of $5,100 a year. View Rates by Age

Where you live also has a big influence on Dodge Ram 3500 insurance prices. A middle-age driver might find rates as low as $850 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,750 on average in Michigan, New York, and Florida.

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Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $340 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $639 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 Right Dodge Ram 3500 Insurance

Saving money on insurance for a Dodge Ram 3500 consists of avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Compare rates at least every other year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a quick rundown of the car insurance concepts touched on in this article.

• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,490 more each year to insure a Dodge Ram 3500
• It is possible to save as much as $150 per year just by shopping early and online
• Increasing deductibles can save approximately $325 each year
• Insureds who require increased liability limits will pay approximately $650 annually to raise from a minimum limit to the 250/500 level