Dodge Ram 3500 Insurance Rates

Average insurance rates for a Dodge Ram 3500 are $1,346 a year for full coverage. Comprehensive costs around $236 each year, collision insurance costs $314, and liability costs $596. A policy with just liability insurance costs as little as $656 a year, and coverage for high-risk drivers costs around $2,894. Teenage drivers receive the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,346

Rate estimates for individual coverage type:

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and Ram 3500 models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than densely populated cities. The graphic below illustrates how your location can change auto insurance rates.

These examples show why all drivers should compare rates for a specific zip code, instead of making a decision based on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $811
• Drivers who choose higher $1,000 deductibles will pay about $124 a year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,346
• Using low deductibles for comprehensive and collision insurance bumps up the cost to $1,586
• Drivers who are prone to accidents and violations could pay at least $2,894
• The cost that insures a 16-year-old driver can be $5,346 a year

View Chart as Image

Insurance rates for a Dodge Ram 3500 can also vary considerably based on the trim level and model year, how you drive, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you could be paying at least $1,600 to $2,200 additional per year, depending on your age. Insurance for high-risk drivers can cost from 41% to 133% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $5,300 a year. View Rates by Age

Where you live makes a big difference in Dodge Ram 3500 insurance prices. A 40-year-old driver could pay as low as $890 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,920 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $370 annually, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $645 more each year. View Rates by Deductible or Liability Limit

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 Cheap Dodge Ram 3500 Insurance

Saving money on insurance for a Dodge Ram 3500 not only requires being a good driver, but also having a good credit score, eliminating unneeded coverage, and deciding if full coverage is necessary. Compare prices every year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a brief summary of the coverage data illustrated above.

• Drivers can save up to $150 per year just by quoting online in advance
• Increasing deductibles can save approximately $375 each year
• Drivers age 16 to 20 are charged the highest rates, costing as high as $446 per month if comprehensive and collision insurance is included
• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,550 more every year than a safer driver