Dodge Ram 3500 Insurance Rates

Estimated insurance rates for a Dodge Ram 3500 are $1,346 a year for full coverage insurance. Comprehensive costs on average $236, collision insurance costs $314, and liability insurance costs $596. A policy with only liability insurance costs as little as $656 a year, and a high-risk policy costs around $2,894. Teen drivers pay the most at up to $5,346 a year.

Average premium for full coverage: $1,346

Premium estimates by type of coverage:

Includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for all Ram 3500 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than larger metro areas. The example below illustrates how location impacts car insurance rates.

These rate differences illustrate why everyone should compare rates based on a specific location, rather than relying on price averages.

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

Detailed Rate Analysis

The chart below illustrates average Dodge Ram 3500 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $811
• Drivers who choose higher $1,000 deductibles will pay around $124 each year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,346
• Choosing pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,586
• High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,894
• An auto insurance policy that insures a teen driver for full coverage may cost $5,346 a year

View Chart as Image

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

If you have a few violations or you caused an accident, you are probably paying at a minimum $1,600 to $2,200 extra annually, depending on your age. Dodge Ram 3500 insurance for high-risk drivers can cost anywhere from 41% to 133% more than average. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged upwards of $5,300 a year. View Rates by Age

Where you choose to live makes a big difference in Dodge Ram 3500 insurance rates. A 40-year-old driver could pay as low as $880 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,820 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles could save up to $370 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $645 extra every 12 months. 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 the Cheapest Dodge Ram 3500 Insurance

Finding better rates on Dodge Ram 3500 insurance not only requires avoiding accidents and violations, but also having a positive credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Shop around every time your policy renews by requesting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The list below is a recap of the information touched on above.

• It is possible to save as much as $150 per year just by quoting online well ahead of the renewal date
• Teenagers are expensive to insure, with premiums being up to $446 per month if full coverage is purchased
• Increasing policy deductibles can save approximately $375 each year
• High-risk drivers that have major violations or accidents may pay on average $1,550 more each year for car insurance
• Drivers who require higher liability limits will pay about $660 annually to go from 30/60 bodily injury limits to the 250/500 level