Dodge Ram 3500 Crew Cab ST 2WD Insurance Rates

Average insurance prices for a Dodge Ram 3500 Crew Cab ST 2WD are $1,566 every 12 months for full coverage. Comprehensive costs around $410 each year, collision insurance costs $634, and liability insurance costs $364. Just liability insurance costs as little as $430 a year, and coverage for high-risk drivers costs around $3,350. Teen drivers receive the highest rates at up to $5,568 a year.

Annual premium for full coverage: $1,566

Rate estimates for individual coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Dodge Ram 3500 Trim Level

Price Range by Location

Your location has a significant impact on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than larger metro areas. The graphic below illustrates the difference location can make on auto insurance rates.

These differences show why all drivers should compare rates for a specific zip code and their own driving history, rather than relying on price averages.

Use the form below to get rates for your location.

Insurance prices for a Dodge Ram 3500 Crew Cab ST 2WD can also vary considerably based on policy deductibles and limits, your driver profile, and the actual cash value of your Ram 3500.

Choosing high deductibles could save up to $700 each year, whereas increasing liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $327 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,400 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay as much as $5,500 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at least $1,800 to $2,400 additional per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 43% to 129% more than average. View High Risk Driver Rates

Where you live makes a big difference in Dodge Ram 3500 Crew Cab ST 2WD insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Idaho, Maine, and Iowa, or as much as $1,950 on average in Michigan, Louisiana, and Montana. Rates by state and city are shown later in the article.

With so much variability in rates, the only way to know your exact price is to do a rate comparison from as many companies as possible. Every company uses a different rate calculation, and rates can be significantly different.

View Chart as Image

Chart shows Dodge Ram 3500 Crew Cab ST 2WD insurance rates for various coverage choices and risks. The lowest rate with discounts is $902. Drivers who choose higher $1,000 deductibles will pay $1,330. The average rate for a driver age 40 with no violations using $500 deductibles is $1,566. Using lower $100 deductibles for comprehensive and collision insurance can cost as much as $2,024. High risk drivers could be charged as much as $3,350. The policy rate for full coverage insurance for a 16-year-old driver is $5,568.

View Chart as Image