Dodge Ram 3500 Insurance Rates

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

Average premium for full coverage: $1,300

Policy rates for type of insurance:

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all Ram 3500 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than cities with more traffic congestion.

The example below illustrates how where you live affects auto insurance rates.

The examples above demonstrate why everyone should compare prices for a specific zip code and risk profile, rather than using averaged prices.

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

Rate Comparisons

The chart below details estimated Dodge Ram 3500 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $788
• Using higher $1,000 deductibles will save about $116 annually
• The average rate for a good driver age 40 using $500 deductibles is $1,300
• Selecting pricier low deductibles for physical damage coverage will cost an extra $220 each year
• Higher-risk drivers with serious driving violations could pay at least $2,790 or more
• Policy cost for full coverage for a teenage driver for full coverage can be $5,190 or more

View Chart as Image

Insurance rates for a Dodge Ram 3500 also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.

A more mature driver with no violations or accidents and high deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $5,100 a year. View Rates by Age

Your home state has a huge impact on Dodge Ram 3500 insurance rates. A driver around age 40 might see rates as low as $930 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,750 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $340 a year, whereas buying more liability protection will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $639 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,500 to $2,200 additional every year, depending on your age. Dodge Ram 3500 insurance for high-risk drivers can be around 42% to 129% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out your exact price is to regularly compare rates and see how they stack up. Each insurance company calculates rates differently, and rates will be varied from one company to the next.

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 Best Cheap Dodge Ram 3500 Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and violations, having a good credit history, not filing small claims, and taking advantage of discounts. Take the time to comparison shop at every policy renewal by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The list below is a quick review of the data touched on in the above illustrations.

• Consumers who may need higher liability limits will pay approximately $650 every year to increase from a 30/60 limit to 250/500 limits
• You may be able to save up to $150 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $325 each year
• Teenagers are charged the highest rates, as much as $433 each month including comprehensive and collision insurance