Dodge Ram 3500 Insurance Rates

The average auto insurance rates for a Dodge Ram 3500 are $1,346 annually for full coverage insurance. Comprehensive costs approximately $236, collision insurance costs $314, and liability is estimated at $596. Buying just liability costs approximately $656 a year, and insurance for high-risk drivers costs around $2,894. Teenage drivers cost the most to insure at up to $5,346 a year.

Average premium for full coverage: $1,346

Policy rates by type of insurance:

Full coverage includes $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different Ram 3500 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than densely populated cities. The price range example below illustrates how location impacts auto insurance prices.

The examples above illustrate why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Details

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

• The best discount rate is $811
• Choosing higher $1,000 deductibles can save $124 each year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,346
• Using more expensive low deductibles for comp and collision coverage will cost $1,586
• Higher-risk drivers who are prone to accidents and violations could pay around $2,894
• Policy cost with full coverage for a 16-year-old driver with full coverage can cost $5,346 each year

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

An older driver with a clean driving record and high physical damage deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $5,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance ranges from 41% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $370 annually, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $645 more per year. View Rates by Deductible or Liability Limit

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 $880 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,820 on average in Florida, New York, and Michigan.

View Chart as Image

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 Buy More Affordable Dodge Ram 3500 Insurance

Finding cheaper rates on insurance for a Dodge Ram 3500 takes being a safe and courteous driver, having a good credit history, being claim-free, and possibly raising deductibles. Spend time shopping around at every other renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below is a summary of the concepts that were touched on above.

• Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,550 more per year for auto insurance
• Teenage drivers are expensive to insure, possibly costing $446 each month including comprehensive and collision insurance
• It is possible to save around $150 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $375 each year
• It is possible to save around $150 per year just by shopping early and online