Dodge Ram 3500 Crew Cab ST 4WD Insurance Rates

Average insurance rates for a Dodge Ram 3500 Crew Cab ST 4WD are $1,924 a year for full coverage insurance. Comprehensive insurance costs on average $410, collision insurance costs $730, and liability costs around $546. Liability-only coverage costs as low as $646 a year, and high-risk coverage costs $4,146 or more. Teenage drivers receive the highest rates at up to $7,172 a year.

Annual premium for full coverage: $1,924

Rate estimates by type of 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

These differences illustrate why everyone should compare prices based on a specific location, instead of using average rates.

Use the form below to get rates for your location.

Car insurance rates for a Dodge Ram 3500 Crew Cab ST 4WD can also vary considerably based on the replacement cost of your Ram 3500, your age and driving record, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are probably paying at a minimum $2,200 to $3,100 extra per year, depending on your age. Dodge Ram 3500 Crew Cab ST 4WD insurance for high-risk drivers can be as much as 43% to 128% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,800 a year for full coverage. Prices are much higher for teen drivers, since even teens with perfect driving records will be charged upwards of $7,100 a year. View Rates by Age

Where you live has a huge impact on Dodge Ram 3500 Crew Cab ST 4WD insurance prices. A driver around age 40 might see prices as low as $1,180 a year in states like North Carolina, , and , or be forced to pay as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut prices by as much as $760 every 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 as much as $492 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in prices, the only way to figure out exactly what you will pay is to regularly compare prices and see which company has the best price. Each insurance company uses a different method to calculate prices, so rate quotes can be significantly different.

View Chart as Image

The chart estimates Dodge Ram 3500 Crew Cab ST 4WD insurance prices for various risks and coverage choices. The best price after discounts is $1,117. Drivers who use higher $1,000 deductibles will pay $1,666. The average price for a 40-year-old male driver using $500 deductibles is $1,924. Selecting more expensive $100 deductibles for physical damage coverage could cost up to $2,426. Drivers with multiple violations and accidents could be charged as much as $4,146. The rate for full coverage for a teen driver can be as high as $7,172.

View Chart as Image