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 insurance costs $288, and liability insurance is estimated at $592. Liability-only insurance costs approximately $652 a year, and high-risk driver insurance costs around $2,790. Teenage drivers cost the most to insure at up to $5,190 a year.

Average premium for full coverage: $1,300

Policy rates broken down by type of insurance:

Rates are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical 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

Living in a larger city has a significant impact on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities. The price range example below illustrates the difference location can make on insurance prices.

The examples above highlight why anyone shopping for car insurance should get quotes for a targeted area and risk profile, rather than relying on average rates.

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

Rates by State, City, and Model

The chart below breaks down average Dodge Ram 3500 insurance rates for other coverage scenarios.

• The best discount rate is $788
• Choosing higher $1,000 deductibles can save approximately $116 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,300
• Using more expensive low deductibles for comp and collision coverage will increase the cost to $1,520
• High-risk insureds who are prone to accidents and violations could pay up to $2,790
• Policy cost for full coverage for a teen driver with full coverage can cost as much as $5,190 each year

View Chart as Image

Auto insurance rates for a Dodge Ram 3500 also range considerably based on your risk profile, the model of your Ram 3500, and liability limits and deductibles.

An older driver with a good driving record and high deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay at least $5,100 a year. View Rates by Age

Your home state plays a big part in determining prices for Dodge Ram 3500 insurance rates. A good driver about age 40 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.

View Chart as Image

Using high physical damage deductibles can save as much as $340 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $639 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,500 to $2,200 in extra premium every year, depending on your age. High-risk driver insurance ranges anywhere from 42% to 129% more than a normal policy. View High Risk Driver Rates

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 takes avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Make time to compare rates every couple of years by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The list below is a quick review of the material that was touched on in this article.

• Drivers who want higher liability limits will pay an extra $650 per year to raise limits from a 30/60 limit to 250/500 limits
• Teenagers are the costliest to insure, with premiums being up to $433 each month if they have full coverage
• High-risk drivers with a DUI or reckless driving violation may pay on average $1,490 more annually for car insurance
• Increasing comprehensive and collision deductibles can save around $325 each year