Dodge Ram 3500 Insurance Rates

U.S. average insurance rates for a Dodge Ram 3500 are $1,346 a year with full coverage. Comprehensive costs an estimated $236, collision insurance costs $314, and liability costs around $596. Liability-only insurance costs as low as $656 a year, and high-risk driver insurance costs around $2,894. Teenage drivers pay the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,346

Price estimates broken down by individual coverage:

Rates are based on $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for different Ram 3500 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance rates. More rural locations have lower incidents of collision claims than densely populated cities. The price range example below illustrates how your location can change insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare prices for a targeted area, instead of making a decision based on 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 other coverage scenarios.

• The best discount rate is $811
• Using higher $1,000 deductibles will save approximately $124 annually
• The estimated price for the average middle-age driver who has $500 deductibles is $1,346
• Using more expensive low deductibles for physical damage coverage bumps up the cost to $1,586
• High-risk insureds who are prone to accidents and violations could pay up to $2,894
• The price that insures a 16-year-old driver with full coverage can cost as much as $5,346 or more

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Car insurance prices for a Dodge Ram 3500 are also quite variable based on the model year and trim level, your age and driving habits, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you may be forking out $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance can be from 41% to 133% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged at least $5,300 a year. View Rates by Age

The state you live in has a huge impact on Dodge Ram 3500 insurance prices. A driver around age 40 might see 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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Using high physical damage deductibles could cut prices by as much as $370 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $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 Best Cheap Dodge Ram 3500 Insurance

Getting lower rates on insurance for a Dodge Ram 3500 requires being safe and accident-free, having a positive credit history, avoid buying unnecessary coverage, and possibly higher deductibles. Compare prices every couple of years by getting rate quotes from direct companies, and also from insurance agencies where you live.

Below you'll find a quick review of the material that was illustrated above.

• Insureds who want more liability protection will pay an extra $660 every year to increase from a low limit to the 250/500 level
• Youthful drivers have the highest car insurance prices, costing up to $446 a month if full coverage is purchased
• Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,550 more annually than a low-risk driver
• Increasing physical damage deductibles can save approximately $375 each year