Dodge Ram 3500 Insurance Rates

U.S. average insurance rates for a Dodge Ram 3500 are $1,380 a year including full coverage. Comprehensive costs on average $242, collision costs $346, and liability is $592. Buying just liability costs around $652 a year, with insurance for high-risk drivers costing around $2,970. Teen drivers pay the highest rates at $5,454 a year or more.

Average premium for full coverage: $1,380

Price estimates by individual coverage:

Full coverage includes $500 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

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than larger metro areas.

The price range example below illustrates how geographic area affects car insurance rates.

The ranges above highlight why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, instead of making a decision based on price averages.

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 lowest rate with discounts is $827
• Raising to $1,000 deductibles will save around $134 every year
• The average rate for the average middle-age driver with $500 deductibles is $1,380
• Choosing more expensive low deductibles will increase the cost to $1,636
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,970 or more
• The price for full coverage for a 16-year-old driver with full coverage may cost $5,454

View Chart as Image

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

An older driver with no violations or accidents and high deductibles may pay as low as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay upwards of $5,400 a year. View Rates by Age

The state you live in also has a big influence on Dodge Ram 3500 insurance prices. A middle-age driver might find prices as low as $1,060 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,970 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles can reduce prices by up to $390 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $639 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,600 to $2,300 additional each year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 129% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to figure out exactly what you will pay is to compare prices from multiple companies. Every auto insurance company uses a different rate calculation, and prices may be quite different from one company to the next.

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 More Affordable Dodge Ram 3500 Insurance

Getting lower rates on insurance for a Dodge Ram 3500 consists of not taking risks behind the wheel, having a good credit history, being claim-free, and insuring your home and auto with the same company. Invest the time to compare rates at least every other year by requesting rates from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following is a summary of the car insurance concepts presented in the illustrations above.

• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,590 more each year for Ram 3500 insurance
• You may be able to save as much as $160 per year simply by shopping early and online
• Increasing physical damage deductibles can save around $400 each year
• Insureds who require higher liability limits will pay about $650 per year to raise from a low limit to 250/500 limits