Dodge Ram 3500 Mega Cab SLT 4WD Insurance Rates

Estimated auto insurance rates for a Dodge Ram 3500 Mega Cab SLT 4WD are $1,970 annually including full coverage. Comprehensive costs around $424, collision insurance costs $762, and liability costs around $546. A liability-only policy costs as low as $646 a year, and high-risk insurance costs around $4,246. Teen drivers pay the most at up to $7,316 a year.

Annual premium for full coverage: $1,970

Premium estimates for type of insurance:

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

Price Range for Insurance for this Dodge Ram 3500 Trim Level

Insurance Price Range by Location

Where you live can have significant affects on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than larger metro areas. The price range example below illustrates how rural and urban location affects auto insurance rates.

These rate differences highlight why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, instead of using price averages.

Use the form below to get rates for your location.

Auto insurance rates for a Dodge Ram 3500 Mega Cab SLT 4WD also have a wide range based on the replacement cost of your Ram 3500, your driving characteristics, and deductibles and policy limits.

An older driver with a good driving record and high physical damage deductibles may pay as little as $1,800 a year, or $150 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay as much as $7,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at least $2,300 to $3,200 in extra premium annually, depending on your age. High-risk driver insurance can be as much as 44% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $790 every year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $492 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Dodge Ram 3500 Mega Cab SLT 4WD insurance prices. A driver around age 40 might see prices as low as $1,060 a year in states like , Indiana, and North Carolina, or as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

With such a large range of prices, the best way to figure out your exact price is to compare prices and see which company has the best price. Each insurance company uses a different rate calculation, and quoted rates will be substantially different between companies.

The chart above shows average Dodge Ram 3500 Mega Cab SLT 4WD insurance prices for various situations. The best price after discounts is $1,140. Drivers who choose higher $1,000 deductibles will pay about $1,700. The average price for a driver age 40 with no violations using $500 deductibles is $1,970. Using more expensive $100 deductibles for collision and other-than-collision coverage could cost up to $2,490. High risk drivers could be charged up to $4,246. The price for full coverage insurance for a 16-year-old driver can be as high as $7,316.