Dodge Ram 3500 Insurance Rates

U.S. average insurance prices for a Dodge Ram 3500 are $1,300 every 12 months for full coverage. Comprehensive insurance costs around $220, collision costs $288, and liability insurance is estimated at $592. Liability-only coverage costs approximately $652 a year, with high-risk coverage costing $2,790 or more. Teens pay the highest rates at $5,190 a year or more.

Average premium for full coverage: $1,300

Price estimates for individual coverage:

Prices are based on $500 deductible amounts, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for all Ram 3500 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population have more infrequent accident claims than cities with more traffic congestion.

The example below illustrates how location impacts auto insurance rates.

The ranges above show why everyone should get quotes for a specific zip code and their own driving history, rather than relying on averaged prices.

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

Rates by State, City, and Model

The chart below shows estimated Dodge Ram 3500 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $788
• Choosing higher $1,000 deductibles can save about $116 a year
• The average price for the average middle-age driver using $500 deductibles is $1,300
• Selecting pricier low deductibles for comp and collision coverage costs an extra $220 a year
• High-risk insureds with serious driving violations could pay at least $2,790 or more
• The price to insure a teen driver for full coverage can be $5,190 each year

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Auto insurance prices for a Dodge Ram 3500 are also quite variable based on deductibles and policy limits, your driver profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can save as much as $340 each year, whereas buying more liability protection will increase prices. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $639 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles could pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay as much as $5,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying at least $1,500 to $2,200 in extra premium each year, depending on your age. Dodge Ram 3500 insurance for high-risk drivers ranges anywhere from 42% to 129% more than the average policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Dodge Ram 3500 insurance rates. A good driver about age 40 could pay as low as $860 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,850 on average in Michigan, Louisiana, and New York.

View Chart as Image

Since prices can be so different, the only way to know your exact price is to regularly compare prices from as many companies as possible. Each auto insurer calculates prices differently, and quoted prices may be quite 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 Affordable Dodge Ram 3500 Insurance

Getting lower rates on Dodge Ram 3500 insurance takes having a good driving record, having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Spend time shopping around every couple of years by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The next list is a brief review of the material that was touched on above.

• Drivers who may need increased levels of liability coverage will pay approximately $650 each year to raise limits from a low limit to a 250/500 level
• Drivers age 20 and younger are expensive to insure, with premiums as much as $433 a month if comprehensive and collision insurance is included
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,490 more every year to buy Dodge Ram 3500 insurance
• Increasing physical damage deductibles could save as much as $325 each year