Dodge Ram 3500 Insurance Rates

The average auto insurance rates for a Dodge Ram 3500 are $1,300 annually for full coverage. Comprehensive costs an estimated $220, collision insurance costs $288, and liability is estimated at $592. Liability-only insurance costs approximately $652 a year, and high-risk driver insurance costs around $2,790. Teens cost the most to insure at up to $5,190 a year.

Average premium for full coverage: $1,300

Policy rates broken down by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, 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

Living in a larger city can have significant affects on insurance rates. More rural locations are shown to have fewer accident claims than cities with more traffic congestion. The example below illustrates how your location can change insurance prices.

The examples above show why everyone should get quotes for a targeted area and their own personal driving habits, instead of using averaged prices.

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

Additional Rate Details

The chart below shows average Dodge Ram 3500 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $788
• Choosing higher $1,000 deductibles can save approximately $116 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,300
• Selecting pricier low deductibles for comp and collision coverage will cost $1,520
• Unlucky drivers with serious driving violations could pay up to $2,790
• Policy cost with full coverage for a teen driver for full coverage can cost as much as $5,190 each year

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

A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay at least $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 $1,500 to $2,200 in extra premium every year, depending on your age. Dodge Ram 3500 insurance for high-risk drivers ranges as much as 42% to 129% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $340 every year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $639 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Dodge Ram 3500 insurance prices. A good driver about age 40 could pay as low as $860 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,850 on average in New York, Louisiana, 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 Buy Cheaper Dodge Ram 3500 Insurance

Finding cheaper rates on car insurance takes having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Invest the time to shop around every year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following items are a condensed summary of the coverage data illustrated above.

• Drivers can save approximately $150 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $325 each year
• 16 to 18-year-old drivers are the costliest to insure, costing up to $433 each month if full coverage is included
• Higher risk drivers with multiple at-fault accidents may pay on average $1,490 more annually than a driver with a clean driving record