Dodge Ram 3500 Insurance Rates

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

Average premium for full coverage: $1,300

Policy rates broken down by type of insurance:

Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Ram 3500 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how location helps determine insurance prices.

The examples above highlight why anyone shopping for car insurance should compare prices for a targeted area, instead of making a decision based on averaged prices.

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 other coverage scenarios.

• The cheapest rate after discounts is $788
• Using higher $1,000 deductibles will save approximately $116 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,300
• Selecting more expensive low deductibles for physical damage coverage bumps up the cost to $1,520
• High-risk insureds with serious driving violations could pay up to $2,790 or more
• Policy cost that insures a 16-year-old driver with full coverage can cost as much as $5,190 or more

View Chart as Image

Auto insurance rates for a Dodge Ram 3500 also range considerably based on the model year and trim level, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $1,500 to $2,200 in extra premium every year, depending on your age. High-risk driver insurance can be from 42% to 129% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay at least $5,100 a year. View Rates by Age

Your home state has a huge impact on Dodge Ram 3500 insurance prices. A driver around age 40 might see rates as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,850 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $340 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $639 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates from multiple companies. Each insurance company calculates rates differently, and quoted 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 the Best Dodge Ram 3500 Insurance

Finding cheaper rates on insurance for a Dodge Ram 3500 requires being safe and accident-free, maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Compare rates at every other renewal by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

Below you'll find a brief recap of the concepts that were covered in the charts and tables above.

• Drivers considered higher risk who tend to receive serious violations could be charged and average of $1,490 more annually than a low-risk driver
• Youthful drivers are the costliest to insure, with premiums being up to $433 each month if the policy includes full coverage
• You may be able to save approximately $150 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• You may be able to save approximately $150 per year simply by shopping early and online