Dodge Ram 3500 Insurance Rates

The average insurance rates for a Dodge Ram 3500 are $1,300 a year with full coverage. Comprehensive costs approximately $220 a year, collision costs $288, and liability insurance costs around $592. Buying just liability costs as low as $652 a year, with insurance for high-risk drivers costing around $2,790. Teen 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:

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

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates how where you live affects auto insurance prices.

The examples above demonstrate why it is important to compare prices using their specific location and risk profile, rather than relying on price averages.

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 and risk scenarios.

• The lowest rate with discounts is $788
• Using higher $1,000 deductibles will save $1,184 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,300
• Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,520
• Drivers with multiple violations and an at-fault accident could pay around $2,790 or more
• Policy cost for full coverage for a teen driver can cost $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 physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $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 Utah, Ohio, and New Hampshire, or as much as $1,750 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could cut rates by as much as $340 each year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $639 more per 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 anywhere from $1,500 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 129% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, so the 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 Dodge Ram 3500 insurance requires having a decent driving record, maintaining good credit, not filing small claims, and maximizing policy discounts. Take the time to comparison shop at least every other year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following items are a quick review of the car insurance concepts touched on in the above illustrations.

• High-risk drivers with a DUI or reckless driving violation pay on average $1,490 more per year than a driver with a clean driving record
• You may be able to save around $150 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save around $325 each year
• Drivers who purchase additional liability coverage will pay about $650 every year to increase from a 30/60 limit to 250/500 limits