Dodge Ram 3500 Insurance Rates

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

Average premium for full coverage: $1,346

Price estimates for individual coverage:

Price estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for different Ram 3500 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than cities with more traffic congestion.

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

The ranges above illustrate why anyone shopping for car insurance should compare prices for a specific zip code, rather than relying on averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $811
• Using higher $1,000 deductibles will save about $124 each year
• The estimated price for the average middle-age driver using $500 deductibles is $1,346
• Selecting more expensive low deductibles for physical damage coverage will cost an additional $240 a year
• Drivers with serious driving violations could pay at least $2,894 or more
• The price that insures a teen driver with full coverage can be $5,346 or more

View Chart as Image

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

If you have some driving violations or you caused an accident, you are probably paying at least $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance can be anywhere from 41% to 133% more than the average policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little 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 as much as $5,300 a year. View Rates by Age

The state you live in has a huge impact on Dodge Ram 3500 insurance rates. A driver around age 40 might see prices as low as $880 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,820 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $370 each year, while increasing your policy's liability limits will increase prices. Switching 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

Since prices can be so different, the only way to figure out your exact price is to compare prices from as many companies as possible. Each insurance company calculates prices differently, so rate quotes may be quite different.

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 Cheaper Dodge Ram 3500 Insurance

Getting lower rates on Dodge Ram 3500 insurance requires being a low-risk driver, having a positive credit history, not filing small claims, and qualifying for all possible discounts. Compare rates every other policy renewal by requesting quotes from direct insurance companies, and also from insurance agencies where you live.

The items below are a condensed summary of the ideas that were touched on in this article.

• Teen drivers are the costliest to insure, as much as $446 a month if full coverage is purchased
• High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,550 more every year to insure their Ram 3500
• Increasing physical damage deductibles can save approximately $375 each year
• It is possible to save up to $150 per year simply by shopping early and online