Dodge Ram 3500 Insurance Rates

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

Average premium for full coverage: $1,300

Policy rates by type of insurance:

Estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Ram 3500 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the difference location can make on auto insurance prices.

The examples above show why it is important to get quotes using their specific location and risk profile, instead of making a decision based on price averages.

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 and risk scenarios.

• The lowest rate with discounts is $788
• Choosing higher $1,000 deductibles can save $1,184 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,300
• Choosing low $100 deductibles for comp and collision coverage will increase the cost to $1,520
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,790 or more
• Policy cost for full coverage for a 16-year-old driver can cost $5,190 each year

View Chart as Image

Car insurance rates for a Dodge Ram 3500 also range considerably based on your risk profile, the trim level of your Ram 3500, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged in the ballpark of $5,100 a year. View Rates by Age

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 as much as $1,850 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $340 annually, while buying higher liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $639 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,500 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy ranges from 42% to 129% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes from multiple companies. Each auto insurer uses a different rate calculation, so rate quotes will be varied from one company to the next.

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 Low Cost Dodge Ram 3500 Insurance

Finding cheaper rates on insurance for a Dodge Ram 3500 takes being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and avoiding coverage lapses. Make time to compare rates at every policy renewal by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a review of the data touched on in this article.

• Insureds who purchase more liability coverage will pay about $650 each year to raise limits from a 30/60 limit to 250/500 limits
• Drivers can save around $150 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save around $325 each year
• Teen drivers pay the highest auto insurance rates, costing up to $433 each month if full coverage is included