Dodge Ram 3500 Insurance Rates

Average insurance prices for a Dodge Ram 3500 are $1,300 every 12 months including full coverage. Comprehensive costs approximately $220 a 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 around $2,790. Teen drivers receive the highest rates at $5,190 a year or more.

Average premium for full coverage: $1,300

Rate estimates by individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Ram 3500 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than larger metro areas.

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

These examples highlight why it is important to compare rates using their specific location and their own driving history, rather than relying on price averages.

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 additional coverage and risk scenarios.

• The lowest rate with discounts is $788
• Drivers who choose higher $1,000 deductibles will pay $1,184 every year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,300
• Choosing low $100 deductibles for comprehensive and collision insurance increases the price to $1,520
• High risk drivers with multiple violations and an at-fault accident could pay around $2,790 or more
• The cost to insure a teen driver can cost $5,190 a year

View Chart as Image

Insurance rates for a Dodge Ram 3500 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your Ram 3500.

Choosing high deductibles could save up to $340 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $639 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay in the ballpark of $5,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $1,500 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 129% more than average. View High Risk Driver Rates

Where you 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 as much as $1,850 on average in Louisiana, New York, and Michigan.

View Chart as Image

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to get quotes from as many companies as possible. Every company uses a different rate calculation, so the rates can be significantly 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 More Affordable Dodge Ram 3500 Insurance

Saving money on Dodge Ram 3500 insurance not only requires avoiding accidents and violations, but also having good credit, not filing small claims, and maximizing policy discounts. Take the time to comparison shop once a year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.

The list below is a summary of the data that was touched on in the above illustrations.

• You may be able to save around $150 per year simply by quoting early and online
• Drivers who purchase higher liability limits will pay about $650 per year to go from a minimum limit to a 250/500 level
• Teenagers are expensive to insure, as much as $433 per month if they have full coverage
• High-risk drivers who have multiple accidents or major violations could be charged and average of $1,490 more per year for car insurance