Dodge Ram 3500 Insurance Rates

U.S. average insurance rates for a Dodge Ram 3500 are $1,300 a year for full coverage insurance. Comprehensive insurance costs approximately $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 $2,790 or more. Teenage drivers pay the highest rates at up to $5,190 a year.

Average premium for full coverage: $1,300

Price estimates by individual coverage:

Rate estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all Ram 3500 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on the price of auto insurance. Rural locations have lower incidents of physical damage claims than densely populated cities. The example below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above illustrate why everyone should get quotes using their specific location, instead of using average rates.

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

Rate Comparisons

The chart below illustrates average Dodge Ram 3500 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $788
• Choosing higher $1,000 deductibles can save $116 each year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,300
• Using pricier low deductibles for comp and collision coverage will cost an additional $220 every year
• Unlucky drivers who are prone to accidents and violations could pay around $2,790
• The price that insures a teen driver for full coverage can cost $5,190 each year

View Chart as Image

Car insurance prices for a Dodge Ram 3500 are also quite variable based on the model of your Ram 3500, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,500 to $2,200 extra each year, depending on your age. Dodge Ram 3500 insurance for high-risk drivers ranges as much as 42% to 129% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $5,100 a year. View Rates by Age

The state you live in plays a big part in determining prices for Dodge Ram 3500 insurance prices. A good driver about age 40 could pay as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,750 on average in Florida, New York, and Michigan.

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Using high physical damage deductibles can save as much as $340 every year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $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 the Best Dodge Ram 3500 Insurance

Getting lower rates on car insurance takes being a low-risk driver, having a positive credit history, not filing small claims, and attention to physical damage deductibles. Compare prices every time your policy renews by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The items below are a brief recap of the information covered above.

• It is possible to save around $150 per year just by quoting online well ahead of the renewal date
• Teen drivers pay the highest auto insurance prices, as much as $433 a month if full coverage is purchased
• Increasing physical damage deductibles can save approximately $325 each year
• Higher risk drivers who tend to receive serious violations could be charged and average of $1,490 more per year to insure their Ram 3500
• Policyholders who purchase more liability coverage will pay an extra $650 annually to raise limits from a low limit to the 250/500 level