Dodge Ram 3500 Insurance Rates

U.S. average auto insurance rates for a Dodge Ram 3500 are $1,346 annually for full coverage insurance. Comprehensive costs approximately $236 each year, collision insurance costs $314, and liability insurance is $596. A policy with just liability insurance costs around $656 a year, and coverage for high-risk drivers costs around $2,894. Teens pay the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,346

Price estimates by individual coverage:

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and Ram 3500 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations have fewer physical damage claims than cities with more traffic congestion. The graphic below illustrates the effect of geographic area on auto insurance prices.

The ranges above illustrate why all drivers should compare rates quotes using their specific location and their own personal driving habits, rather than relying on averaged prices.

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

Additional Rate Analysis

The chart below illustrates average Dodge Ram 3500 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $811
• Raising to $1,000 deductibles will save $124 each year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,346
• Selecting low deductibles will cost $1,586
• Higher-risk drivers with serious driving violations could pay around $2,894
• The price with full coverage for a teen driver can cost $5,346

View Chart as Image

Insurance prices for a Dodge Ram 3500 are also quite variable based on the trim level and model year, your risk profile, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $5,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying anywhere from $1,600 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 41% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $370 each year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $645 more per year. View Rates by Deductible or Liability Limit

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

View Chart as Image

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 Buy Cheaper Dodge Ram 3500 Insurance

Getting lower rates on Dodge Ram 3500 insurance consists of being safe and accident-free, having a good credit history, not filing small claims, and possibly raising deductibles. Take the time to compare rates once a year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below you'll find a condensed summary of the data that was covered in the above illustrations.

• It is possible to save around $150 per year just by quoting online in advance
• Drivers who purchase more liability protection will pay approximately $660 annually to raise from a low limit to higher 250/500 limits
• Youthful drivers are expensive to insure, as much as $446 a month including comprehensive and collision insurance
• High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,550 more per year than a low-risk driver