Dodge Ram 3500 Insurance Rates

Estimated insurance prices for a Dodge Ram 3500 are $1,300 every 12 months including full coverage. Comprehensive insurance costs approximately $220 each year, collision costs $288, and liability insurance costs $592. A liability-only policy costs as little as $652 a year, with high-risk insurance costing $2,790 or more. Teenage drivers pay the most at $5,190 a year or more.

Average premium for full coverage: $1,300

Premium estimates by type of coverage:

Estimates include $500 physical damage deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and Ram 3500 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.

The graphic below illustrates how location helps determine auto insurance prices.

These rate differences highlight why all drivers should compare rates using their specific location and their own driving history, rather than relying on average rates.

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 additional coverage and risk scenarios.

• The best discount rate is $788
• Drivers who choose higher $1,000 deductibles will pay $116 every year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,300
• Using low deductibles for comprehensive and collision insurance costs an extra $220 a year
• High risk drivers who are prone to accidents and violations could pay around $2,790 or more
• An auto insurance policy to insure a teen driver can cost $5,190 a year

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Auto insurance prices for a Dodge Ram 3500 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model of your Ram 3500.

Using high physical damage deductibles could save up to $340 each year, whereas increasing liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $639 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay in the ballpark of $5,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,500 to $2,200 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 129% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Dodge Ram 3500 insurance rates. A 40-year-old driver could pay as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,850 on average in Louisiana, New York, and Michigan.

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With such a large range in prices, the best way to figure out who has the best auto insurance prices is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate prices, and quoted prices will be substantially 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 Low Cost Dodge Ram 3500 Insurance

Finding better rates on Dodge Ram 3500 insurance not only requires being a safe and courteous driver, but also having a good credit score, refrain from filing small claims, and not having any coverage lapses. Invest time comparing rates at every policy renewal by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

Below is a review of the data covered in the charts and tables above.

• Drivers who purchase higher levels of liability will pay an extra $650 per year to go from 30/60 bodily injury limits to a 250/500 level
• You may be able to save around $150 per year simply by quoting online in advance
• Increasing policy deductibles could save as much as $325 each year
• Teenage drivers have the highest car insurance prices, with the cost nearing $433 per month if comprehensive and collision insurance is included