Dodge Ram 3500 Insurance Rates

Estimated insurance rates for a Dodge Ram 3500 are $1,300 a year including full coverage. Comprehensive costs on average $220, collision costs $288, and liability coverage costs around $592. A liability-only policy costs as low as $652 a year, with high-risk insurance costing around $2,790. Teens pay the most at $5,190 a year or more.

Average premium for full coverage: $1,300

Premium estimates by type of coverage:

Prices include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and for all Ram 3500 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how location helps determine car insurance rates.

These rate differences highlight why everyone should compare prices based on a specific location, rather than using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $788
• Using higher $1,000 deductibles will save around $116 every year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,300
• Selecting pricier low deductibles for physical damage coverage bumps up the cost to $1,520
• Higher-risk drivers with serious driving violations could pay upwards of $2,790 or more
• An auto insurance policy that insures a teenage driver for full coverage may cost $5,190 or more

View Chart as Image

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

If you have a few violations or you caused an accident, you are likely paying at a minimum $1,500 to $2,200 in extra premium annually, depending on your age. Dodge Ram 3500 insurance for high-risk drivers can be around 42% to 129% more than the average policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay upwards of $5,100 a year. View Rates by Age

Where you choose to live has a huge impact on Dodge Ram 3500 insurance rates. A driver around age 40 might see prices as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,850 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $340 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $639 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out exactly what you will pay is to regularly compare prices and see how they stack up. Each insurance company calculates prices differently, and quoted prices will be substantially 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 Find the Right Dodge Ram 3500 Insurance

Finding better rates on auto insurance requires avoiding accidents and violations, maintaining a good credit score, refrain from filing small claims, and taking advantage of discounts. Compare rates every time your policy renews by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

The list below is a quick rundown of the information covered in the charts and tables above.

• You may be able to save as much as $150 per year simply by quoting online well ahead of the renewal date
• Teenagers are charged the highest prices, with the cost nearing $433 per month if the policy includes full coverage
• Increasing policy deductibles can save approximately $325 each year
• Drivers with reckless driving or DUI convictions could be forced to pay on average $1,490 more each year for car insurance
• Consumers who require higher liability limits will pay approximately $650 per year to increase from 30/60 bodily injury limits to the 250/500 level