Dodge Ram 3500 Insurance Rates

Estimated insurance rates for a Dodge Ram 3500 are $1,300 a year for full coverage insurance. Comprehensive costs an estimated $220 a year, collision insurance costs $288, and liability insurance costs $592. A policy with only liability insurance costs as little as $652 a year, and a high-risk policy costs around $2,790. Teens pay the most at up to $5,190 a year.

Average premium for full coverage: $1,300

Premium estimates broken down by type of coverage:

Full coverage includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and Ram 3500 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on insurance prices.

These rate differences illustrate why it is important to compare rates for a targeted area, rather than relying on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $788
• Drivers who choose higher $1,000 deductibles will pay approximately $1,184 each year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,300
• Selecting low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,520
• High risk drivers with serious driving violations could pay up to $2,790
• An auto insurance policy that insures a teen driver can cost as much as $5,190 a year

View Chart as Image

Car insurance prices for a Dodge Ram 3500 also have a wide range based on the trim level of your Ram 3500, your age and driving record, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $1,500 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 129% more than the average policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged at least $5,100 a year. View Rates by Age

Where you choose to live makes a big difference in Dodge Ram 3500 insurance rates. A 40-year-old driver could pay as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,750 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $340 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $639 extra every 12 months. View Rates by Deductible or Liability Limit

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 More Affordable Dodge Ram 3500 Insurance

Finding better rates on Dodge Ram 3500 insurance not only requires being a low-risk driver, but also having a positive credit history, paying for small claims out-of-pocket, and possibly higher deductibles. Compare rates at every other renewal by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

The items below are a summary of the concepts that were covered above.

• High-risk drivers who have multiple accidents or major violations may have to pay on average $1,490 more annually to insure their Ram 3500
• Teen drivers have the highest car insurance prices, with premiums being up to $433 per month if full coverage is purchased
• It is possible to save approximately $150 per year just by quoting early and online
• Increasing policy deductibles can save approximately $325 each year
• It is possible to save approximately $150 per year just by quoting early and online