Dodge Ram 3500 Insurance Rates

Average auto insurance rates for a Dodge Ram 3500 are $1,300 annually including full coverage. Comprehensive insurance costs an estimated $220 each year, collision costs $288, and liability insurance costs around $592. A liability-only policy costs as low as $652 a year, with high-risk insurance 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:

Rates are based on $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and Ram 3500 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than larger metro areas.

The graphic below illustrates how geographic area affects insurance prices.

These examples highlight why all drivers should compare prices for a targeted area and their own personal driving habits, rather than relying on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $788
• Using higher $1,000 deductibles will save approximately $116 every year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,300
• Choosing low deductibles for physical damage coverage costs an additional $220 a year
• Drivers with multiple violations and an at-fault accident could pay up to $2,790 or more
• The cost with full coverage for a teen driver can cost as much as $5,190 or more

View Chart as Image

Insurance rates for a Dodge Ram 3500 can also vary considerably based on the trim level of your Ram 3500, your driving characteristics, and liability limits and deductibles.

More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay at least $5,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,500 to $2,200 extra per year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 129% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $340 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $639 more per year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Dodge Ram 3500 insurance rates. A driver around age 40 might see rates as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,850 on average in Louisiana, New York, and Michigan.

View Chart as Image

With so much variability in rates, the best way to figure out which company is cheapest is to do a rate comparison from as many companies as possible. Each insurance company uses a different rate calculation, so the rates can be significantly different between companies.

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 Buy the Best Cheap Dodge Ram 3500 Insurance

Saving money on Dodge Ram 3500 insurance requires being a low-risk driver, having a good credit history, not filing small claims, and taking advantage of discounts. Invest the time to compare rates at every policy renewal by requesting rates from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The items below are a quick review of the data presented in the illustrations above.

• Drivers who want more liability coverage will pay about $650 per year to increase from a minimum limit to higher 250/500 limits
• You may be able to save approximately $150 per year simply by quoting online in advance
• Increasing deductibles could save up to $325 each year
• Teen drivers are charged the highest rates, as much as $433 per month including comprehensive and collision insurance