Dodge Ram 3500 Insurance Rates

Estimated auto insurance rates for a Dodge Ram 3500 are $1,346 annually with full coverage. Comprehensive insurance costs approximately $236 each year, collision insurance costs $314, and liability coverage is $596. A policy with only liability insurance costs around $656 a year, and a high-risk policy costs $2,894 or more. Teenage drivers pay the most at up to $5,346 a year.

Average premium for full coverage: $1,346

Premium estimates by type of coverage:

These estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and Ram 3500 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on the price of insurance. Rural locations are statistically proven to have fewer collision claims than densely populated cities. The graphic below illustrates how where you live affects auto insurance prices.

These rate differences demonstrate why all drivers should compare rates quotes using their specific location and their own personal driving habits, rather than using average rates.

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

Rates by State, City, and Model

The chart below details average 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 annually
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,346
• Using low deductibles costs an additional $240 each year
• Unlucky drivers who are prone to accidents and violations could pay around $2,894
• An auto insurance policy with full coverage for a teenage driver can cost $5,346

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Car insurance prices for a Dodge Ram 3500 also have a wide range based on the model of your Ram 3500, your driving record, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high physical damage deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged in the ballpark of $5,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out anywhere from $1,600 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 41% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $370 a year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $645 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Dodge Ram 3500 insurance rates. A middle-age driver might find prices as low as $970 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,820 on average in New York, Michigan, and Florida.

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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 Cheap Dodge Ram 3500 Insurance

Finding better rates on auto insurance consists of being a safe and courteous driver, having a good credit score, being claim-free, and attention to physical damage deductibles. Take the time to comparison shop at every other renewal by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

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

• Drivers that tend to have accidents or serious violations may pay on average $1,550 more per year for auto insurance
• Teenage drivers pay the highest auto insurance prices, possibly costing $446 per month if comprehensive and collision insurance is included
• You may be able to save around $150 per year just by quoting online in advance
• Increasing policy deductibles could save up to $375 each year
• You may be able to save around $150 per year just by quoting online in advance