Dodge Ram 3500 Insurance Rates

The average auto insurance rates for a Dodge Ram 3500 are $1,300 annually with full coverage. Comprehensive insurance costs around $220, collision costs $288, and liability is estimated at $592. Liability-only insurance costs approximately $652 a year, with high-risk driver insurance costing $2,790 or more. 16-year-old drivers cost the most to insure at $5,190 a year or more.

Average premium for full coverage: $1,300

Policy rates for type of insurance:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Ram 3500 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on insurance rates. Areas with sparse population are shown to have fewer collision claims than congested cities.

The price range example below illustrates the difference location can make on auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, instead of making a decision based on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $788
• Choosing higher $1,000 deductibles can save about $116 annually
• The estimated rate for a good driver age 40 using $500 deductibles is $1,300
• Buying more expensive low deductibles for comp and collision coverage costs an additional $220 annually
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,790 or more
• Policy cost with full coverage for a 16-year-old driver with full coverage can be $5,190 each year

View Chart as Image

Auto insurance rates for a Dodge Ram 3500 also range considerably based on the model year and trim level, your driving record, and deductibles and policy limits.

An older driver with a good driving record and high physical damage deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay as much as $5,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at least $1,500 to $2,200 in extra premium every year, depending on your age. High-risk driver insurance ranges from 42% to 129% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $340 annually, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $639 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Dodge Ram 3500 insurance prices. A good driver about age 40 could pay as low as $930 a year in states like New Hampshire, Ohio, and Utah, or at least $1,750 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out your exact price is to compare rates from multiple companies. Each auto insurer utilizes a different rate formula, and quoted rates will be varied between companies.

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 Affordable Dodge Ram 3500 Insurance

Finding cheaper rates on insurance for a Dodge Ram 3500 takes being a good driver, having above-average credit, not filing small claims, and maximizing policy discounts. Make time to compare rates every time your policy renews by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following list is a brief review of the information touched on in this article.

• You may be able to save up to $150 per year simply by shopping early and online
• Drivers age 16 to 20 are expensive to insure, as much as $433 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save up to $325 each year
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,490 more every year than a safer driver
• Insureds who may need an increased level of liability coverage will pay around $650 every year to raise limits from a 30/60 limit to higher 250/500 limits