Dodge Ram 3500 Insurance Rates

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

Average premium for full coverage: $1,346

Price estimates by individual coverage:

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and for different Ram 3500 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how location impacts car insurance rates.

The ranges above highlight why anyone shopping for car insurance should compare prices based on a specific location, rather than using average rates.

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

More Rate Details

The chart below breaks down estimated Dodge Ram 3500 insurance rates for different risk profiles and scenarios.

• The best discount rate is $811
• Using higher $1,000 deductibles will save around $124 every year
• The estimated price for the average middle-age driver with $500 deductibles is $1,346
• Using more expensive low deductibles for physical damage coverage bumps up the cost to $1,586
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,894 or more
• The price that insures a teenage driver with full coverage may cost $5,346 or more

View Chart as Image

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

If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,600 to $2,200 additional each year, depending on your age. High-risk driver insurance can be around 41% to 133% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $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 $1,030 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,920 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $370 a year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $645 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out exactly what you will pay is to compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, and prices 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 the Best Dodge Ram 3500 Insurance

Getting lower rates on auto insurance requires avoiding accidents and claims, having a good credit score, being claim-free, and insuring your home and auto with the same company. Compare prices at least every other year by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

The points below are a brief recap of the car insurance concepts touched on above.

• Drivers who tend to receive serious violations could be forced to pay on average $1,550 more each year to insure a Dodge Ram 3500
• You may be able to save as much as $150 per year simply by shopping early and online
• Increasing physical damage deductibles can save approximately $375 each year
• Consumers who require increased liability limits will pay an extra $660 per year to increase from a low limit to the 250/500 level