Dodge Ram 3500 Insurance Rates

U.S. average insurance prices for a Dodge Ram 3500 are $1,346 every 12 months for full coverage. Comprehensive insurance costs around $236 a year, collision costs $314, and liability coverage costs $596. Liability-only coverage costs as little as $656 a year, with high-risk coverage costing $2,894 or more. 16-year-old drivers pay the highest rates at $5,346 a year or more.

Average premium for full coverage: $1,346

Price estimates for individual coverage:

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and Ram 3500 trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on auto insurance rates. Areas with sparse population have more infrequent accident claims than congested cities.

The diagram below illustrates how your location can change auto insurance rates.

The ranges above show why it is important to compare rates for a specific zip code and their own driving history, rather than using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $811
• Drivers who choose higher $1,000 deductibles will pay about $1,222 a year
• The average price for the average middle-age driver using $500 deductibles is $1,346
• Buying low $100 deductibles for comprehensive and collision insurance costs an extra $240 each year
• High-risk insureds with multiple tickets or accidents could pay at least $2,894 or more
• The price to insure a teenage driver can be $5,346 a 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.

Opting for high physical damage deductibles could save up to $370 a year, while buying higher liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $645 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $1,300 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay as much as $5,300 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 $1,600 to $2,200 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost around 41% to 133% more than the average rate. View High Risk Driver Rates

The state you live in makes a big difference in Dodge Ram 3500 insurance rates. A 40-year-old driver could pay as low as $890 a year in states like Idaho, Maine, and Iowa, or at least $1,920 on average in Michigan, Louisiana, and New York.

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Since prices can be so different, the only way to know your exact price is to get quotes and see how they stack up. Every company utilizes a different rate formula, 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 Cheap Dodge Ram 3500 Insurance

Getting lower rates on auto insurance not only requires being a good driver, but also having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to shop around every year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following list is a brief summary of the coverage data illustrated above.

• Drivers can save up to $150 per year simply by quoting early and online
• Increasing physical damage deductibles could save as much as $375 each year
• Drivers age 16 to 20 are expensive to insure, with premiums as much as $446 a month if comprehensive and collision insurance is included
• Drivers that tend to have accidents or serious violations may pay on average $1,550 more every year than a safer driver