Dodge Ram 3500 Insurance Rates

Estimated insurance prices for a Dodge Ram 3500 are $1,300 every 12 months including full coverage. Comprehensive costs an estimated $220, collision insurance costs $288, and liability costs around $592. Liability-only coverage costs as low as $652 a year, and high-risk coverage costs around $2,790. Teens pay the most at up to $5,190 a year.

Average premium for full coverage: $1,300

Premium estimates broken down by type of coverage:

Estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different Ram 3500 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, instead of making a decision based on averaged prices.

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

Rate Comparisons

The chart below breaks down average 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 average price for a 40-year-old good driver who has $500 deductibles is $1,300
• Selecting more expensive low deductibles for physical damage coverage increases the price to $1,520
• High-risk insureds with serious driving violations could pay up to $2,790
• An auto insurance policy to insure a 16-year-old driver with full coverage can cost as much as $5,190 or more

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Insurance prices for a Dodge Ram 3500 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year and trim level.

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

An older driver with a clean driving record and higher deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay at least $5,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying $1,500 to $2,200 extra annually, depending on your age. High-risk driver insurance can be from 42% to 129% more than the average policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Dodge Ram 3500 insurance prices. A driver around age 40 might see prices 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.

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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 Low Cost Dodge Ram 3500 Insurance

Finding better rates on insurance for a Dodge Ram 3500 requires being a low-risk driver, having good credit, refrain from filing small claims, and deciding if full coverage is necessary. Take the time to compare rates once a year by getting quotes from direct car insurance companies, and also from local insurance agencies.

The items below are a review of the data that was covered in the above illustrations.

• You may be able to save approximately $150 per year just by shopping early and online
• Insureds who want more liability coverage will pay approximately $650 per year to increase from 30/60 bodily injury limits to a 250/500 level
• Teen drivers are charged the highest prices, with the cost nearing $433 per month if they have full coverage
• Drivers considered higher risk who have several accidents or serious violations may have to pay on average $1,490 more annually to insure their Ram 3500