Dodge Ram 3500 Insurance Rates

Average insurance prices for a Dodge Ram 3500 are $1,300 every 12 months for full coverage insurance. Comprehensive insurance costs around $220 each year, collision costs $288, and liability costs around $592. Buying just liability costs as low as $652 a year, with insurance for high-risk drivers costing $2,790 or more. Teenage drivers receive the highest rates at $5,190 a year or more.

Average premium for full coverage: $1,300

Rate estimates for individual coverage type:

Estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and Ram 3500 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on car insurance rates. Areas with sparse population tend to have more infrequent physical damage claims than densely populated cities.

The graphic below illustrates the difference location can make on auto insurance rates.

These examples illustrate why all drivers should compare prices for a specific zip code and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Information

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

• The best discount rate is $788
• Using higher $1,000 deductibles will save about $116 each year
• The average price for a 40-year-old driver using $500 deductibles is $1,300
• Using low deductibles for physical damage coverage costs an extra $220 annually
• High-risk insureds who are prone to accidents and violations could pay at least $2,790 or more
• The cost to insure a 16-year-old driver can be $5,190 or more

View Chart as Image

Auto insurance rates for a Dodge Ram 3500 can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level and model year.

Using high physical damage deductibles could cut rates by as much as $340 annually, whereas increasing liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $639 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as low as $1,200 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay as much as $5,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at least $1,500 to $2,200 in extra premium per year, depending on your age. Insurance for high-risk drivers can be from 42% to 129% more than a normal policy. View High Risk Driver Rates

Where you live has a huge impact on Dodge Ram 3500 insurance prices. A driver around age 40 might see rates as low as $850 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,750 on average in Michigan, New York, and Florida.

View Chart as Image

With so much variability in rates, the only way to figure out your exact price is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly 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 Shop for Low Cost Dodge Ram 3500 Insurance

Saving money on insurance for a Dodge Ram 3500 requires being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Make time to compare rates every year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

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

• It is possible to save up to $150 per year simply by quoting online in advance
• Increasing deductibles could save as much as $325 each year
• Teen drivers are expensive to insure, costing up to $433 per month if comprehensive and collision insurance is included
• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,490 more every year to insure their Ram 3500