Dodge Ram 3500 Insurance Rates

Average insurance prices for a Dodge Ram 3500 are $1,300 every 12 months for full coverage. Comprehensive costs approximately $220, collision costs $288, and liability costs $592. Liability-only coverage costs as little as $652 a year, with high-risk coverage costing around $2,790. 16-year-old drivers receive the highest rates at $5,190 a year or more.

Average premium for full coverage: $1,300

Rate estimates by individual coverage type:

These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for all Ram 3500 models.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on car insurance rates. Rural locations tend to have more infrequent accident claims than congested cities.

The example below illustrates how where you live affects auto insurance prices.

These examples show why everyone should compare rates using their specific location and their own driving history, instead of using rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $788
• Drivers who choose higher $1,000 deductibles will pay $116 a year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,300
• Buying pricier low deductibles for comprehensive and collision insurance increases the price to $1,520
• Higher-risk drivers with multiple tickets or accidents could pay around $2,790 or more
• The cost to insure a teen driver for full coverage can cost $5,190 a year

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Car 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.

Opting for high physical damage deductibles could save up to $340 every 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 $639 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged in the ballpark of $5,100 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 $1,500 to $2,200 extra per year, depending on your age. Dodge Ram 3500 insurance for high-risk drivers can cost as much as 42% to 129% more than the average rate. View High Risk Driver Rates

Where you live makes a big difference in Dodge Ram 3500 insurance prices. A 40-year-old driver could pay as low as $860 a year in states like Iowa, Maine, and Idaho, or at least $1,850 on average in New York, Louisiana, and Michigan.

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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 which company has the best rate. Every company utilizes a different rate formula, so rate quotes 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 Cheap Dodge Ram 3500 Insurance

Saving money on car insurance not only requires being safe and accident-free, but also maintaining a good credit score, eliminating unneeded coverage, and avoiding coverage lapses. Take the time to comparison shop every other policy renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a brief summary of the ideas that were touched on in the above illustrations.

• Youthful drivers pay the highest auto insurance rates, costing as high as $433 per month if the policy includes full coverage
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,490 more per year than a low-risk driver
• Increasing deductibles could save as much as $325 each year
• Drivers can save around $150 per year simply by quoting online well ahead of the renewal date