Dodge Ram 3500 Insurance Rates

The average insurance rates for a Dodge Ram 3500 are $1,300 a year including full coverage. Comprehensive insurance costs on average $220 a year, collision costs $288, and liability is $592. Liability-only coverage costs around $652 a year, with high-risk coverage costing $2,790 or more. 16-year-old drivers cost the most to insure at $5,190 a year or more.

Average premium for full coverage: $1,300

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Ram 3500 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than congested cities.

The diagram below illustrates how location helps determine car insurance rates.

The examples above highlight why it is important to compare rates quotes based on a specific location, instead of using rate averages.

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

Additional Charts and Tables

The chart below breaks down estimated Dodge Ram 3500 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $788
• Raising to $1,000 deductibles will save around $1,184 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,300
• Buying low $100 deductibles will cost an additional $220 every year
• At-risk drivers with multiple tickets or accidents could pay upwards of $2,790 or more
• Policy cost that insures a teen driver may cost $5,190

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,500 to $2,200 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 42% to 129% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $5,100 a year. View Rates by Age

Your home state also has a big influence on Dodge Ram 3500 insurance prices. A middle-age driver might find rates as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,850 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $340 every year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $639 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes and see which company has the best rate. Every auto insurance company utilizes a different rate formula, and rates will be varied.

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 Affordable Dodge Ram 3500 Insurance

Finding cheaper rates on car insurance consists of being a good driver, having a good credit score, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Comparison shop every couple of years by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

The following list is a brief review of the material that was covered in the charts and tables above.

• Policyholders who require an increased level of liability coverage will pay around $650 per year to raise from a 30/60 limit to the 250/500 level
• Drivers age 16 to 20 pay higher rates, with premiums being up to $433 each month if comprehensive and collision insurance is included
• Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,490 more each year than a safer driver
• Increasing comprehensive and collision deductibles can save approximately $325 each year