Dodge Ram 3500 Insurance Rates

Estimated auto insurance rates for a Dodge Ram 3500 are $1,346 annually including full coverage. Comprehensive costs on average $236 a year, collision insurance costs $314, and liability costs $596. A policy with only liability insurance costs as little as $656 a year, and a high-risk policy costs around $2,894. 16-year-old drivers pay the most at up to $5,346 a year.

Average premium for full coverage: $1,346

Premium estimates by type of coverage:

Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and Ram 3500 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on car insurance rates. Rural areas are statistically proven to have fewer comprehensive and collision claims than congested cities. The diagram below illustrates how location helps determine car insurance rates.

These rate differences highlight why it is important to compare rates based on a specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

More Rate Information

The chart below breaks down average Dodge Ram 3500 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $811
• Drivers who choose higher $1,000 deductibles will pay around $1,222 every year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,346
• Buying low $100 deductibles for comprehensive and collision insurance will cost $1,586
• Drivers with multiple tickets or accidents could pay upwards of $2,894
• An auto insurance policy with full coverage for a 16-year-old driver may cost $5,346 a year

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Car insurance prices for a Dodge Ram 3500 also have a wide range based on the model of your Ram 3500, your driving characteristics, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged upwards of $5,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,600 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy can cost from 41% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $370 annually, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $645 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Dodge Ram 3500 insurance prices. A 40-year-old driver could pay as low as $1,030 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,920 on average in Michigan, New York, and Louisiana.

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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 Buy the Best Cheap Dodge Ram 3500 Insurance

Finding better rates on insurance for a Dodge Ram 3500 not only requires avoiding accidents and violations, but also having a good credit score, refrain from filing small claims, and possibly raising deductibles. Invest time comparing rates once a year by requesting rates from direct car insurance companies, and also from several local insurance agents.

The list below is a quick review of the data that was covered in the charts and tables above.

• You may be able to save as much as $150 per year just by quoting early and online
• Insureds who require higher liability limits will pay around $660 per year to go from 30/60 bodily injury limits to higher 250/500 limits
• Teenagers are expensive to insure, with the cost nearing $446 per month if comprehensive and collision insurance is included
• Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,550 more each year for car insurance