Dodge Ram 3500 Insurance Rates

The average auto insurance rates for a Dodge Ram 3500 are $1,300 annually for full coverage. Comprehensive costs around $220, collision costs $288, and liability is $592. A liability-only policy costs around $652 a year, with high-risk insurance costing around $2,790. Teenage drivers cost the most to insure at $5,190 a year or more.

Average premium for full coverage: $1,300

Policy rates for type of insurance:

Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and for all Ram 3500 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than densely populated cities.

The example below illustrates the effect of geographic area on auto insurance rates.

The examples above show why everyone should compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below shows estimated Dodge Ram 3500 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $788
• Raising to $1,000 deductibles will save about $116 a year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,300
• Using pricier low deductibles will cost $1,520
• Drivers who are prone to accidents and violations could pay at least $2,790 or more
• Policy cost with full coverage for a 16-year-old driver for full coverage can be $5,190

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Car insurance rates for a Dodge Ram 3500 also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged as much as $5,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,500 to $2,200 extra every year, depending on your age. Dodge Ram 3500 insurance for high-risk drivers is expensive and can cost from 42% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $340 annually, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $639 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Dodge Ram 3500 insurance prices. A middle-age driver might find rates as low as $860 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,850 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know your exact price is to regularly compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, so rate quotes will be varied between companies.

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 Dodge Ram 3500 Insurance

Finding cheaper rates on insurance for a Dodge Ram 3500 consists of avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates at least once a year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The points below are a brief recap of the primary concepts that were covered in the above illustrations.

• Drivers can save up to $150 per year simply by quoting online well ahead of the renewal date
• Drivers considered higher risk who tend to receive serious violations pay an average of $1,490 more every year to insure a Dodge Ram 3500
• Increasing comprehensive and collision deductibles could save up to $325 each year
• Drivers under the age of 20 are the costliest to insure, costing up to $433 each month if comprehensive and collision insurance is included