Dodge Ram 3500 Insurance Rates

Average insurance prices for a Dodge Ram 3500 are $1,346 every 12 months for full coverage. Comprehensive insurance costs approximately $236, collision costs $314, and liability coverage is $596. A liability-only policy costs around $656 a year, with high-risk insurance costing $2,894 or more. Teenage drivers receive the highest rates at $5,346 a year or more.

Average premium for full coverage: $1,346

Rate estimates by individual coverage type:

Prices include $500 deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and for all Ram 3500 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural locations tend to have more infrequent accident claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

These examples show why everyone should compare rates quotes using their specific location and their own driving history, rather than using average rates.

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

More Rate Information

The chart below shows estimated Dodge Ram 3500 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $811
• Raising to $1,000 deductibles will save $124 a year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,346
• Using pricier low deductibles costs an extra $240 each year
• Unlucky drivers who are prone to accidents and violations could pay around $2,894 or more
• The cost to insure a teenage driver for full coverage can cost $5,346

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Insurance rates for a Dodge Ram 3500 can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your Ram 3500.

Using high physical damage deductibles can reduce rates by up to $370 a year, whereas buying more liability protection will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $645 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may only pay around $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay in the ballpark of $5,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,600 to $2,200 extra per year, depending on your age. Dodge Ram 3500 insurance for high-risk drivers is expensive and can cost around 41% to 133% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on Dodge Ram 3500 insurance rates. A middle-age driver might find rates as low as $890 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,920 on average in New York, Louisiana, and Michigan.

View Chart as Image

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to regularly compare rates and see how they stack up. Every auto insurance company uses a different method to calculate rates, so the 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 the Right Dodge Ram 3500 Insurance

Saving money on auto insurance consists of not taking risks behind the wheel, having good credit, eliminating unneeded coverage, and maximizing policy discounts. Set aside time to compare rates once a year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a quick rundown of the data that was covered above.

• Drivers can save around $150 per year simply by quoting online well ahead of the renewal date
• Consumers who purchase higher liability limits will pay an extra $660 each year to raise from a minimum limit to a 250/500 level
• Teens are expensive to insure, costing as high as $446 per month if they have full coverage
• Drivers with reckless driving or DUI convictions may pay on average $1,550 more per year for Ram 3500 insurance