Dodge Ram 3500 Insurance Rates

The average insurance rates for a Dodge Ram 3500 are $1,380 a year for full coverage insurance. Comprehensive costs approximately $242, collision insurance costs $346, and liability is $592. Liability-only coverage costs around $652 a year, and high-risk coverage costs around $2,970. 16-year-old drivers cost the most to insure at up to $5,454 a year.

Average premium for full coverage: $1,380

Policy rates by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than congested cities. The example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above illustrate why everyone should compare rates quotes using their specific location, instead of making a decision based on rate averages.

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

More Rate Details

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

• The best full coverage rate is $827
• Raising to $1,000 deductibles will save $134 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,380
• Buying pricier low deductibles bumps up the cost to $1,636
• Drivers with multiple tickets or accidents could pay around $2,970
• Policy cost that insures a 16-year-old driver for full coverage can cost $5,454

View Chart as Image

Insurance rates for a Dodge Ram 3500 also range considerably based on the model of your Ram 3500, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,600 to $2,300 additional every year, depending on your age. Dodge Ram 3500 insurance for high-risk drivers is expensive and can cost from 42% to 129% more than the average rate. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,400 a year. View Rates by Age

Your home state also has a big influence on Dodge Ram 3500 insurance prices. A middle-age driver might find rates as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,860 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $390 annually, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $639 more each year. 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 Low Cost Dodge Ram 3500 Insurance

Finding cheaper rates on insurance for a Dodge Ram 3500 consists of not taking risks behind the wheel, having a good credit score, being claim-free, and consideration of higher deductibles. Comparison shop every time your policy renews by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The following is a review of the information covered above.

• It is possible to save around $160 per year just by quoting online well ahead of the renewal date
• Teens are the costliest to insure, possibly costing $455 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles can save approximately $400 each year
• Drivers considered higher risk who have several accidents or serious violations could be charged and average of $1,590 more per year for Ram 3500 insurance
• Insureds who purchase higher liability limits will pay around $650 annually to raise from a 30/60 limit to the 250/500 level