Dodge Ram 3500 Insurance Rates

U.S. average insurance prices for a Dodge Ram 3500 are $1,346 every 12 months for full coverage. Comprehensive costs on average $236 each year, collision costs $314, and liability is $596. Liability-only coverage costs around $656 a year, with high-risk coverage costing around $2,894. Teens pay the highest rates at $5,346 a year or more.

Average premium for full coverage: $1,346

Price estimates by individual coverage:

Rates are based on $500 physical damage deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and Ram 3500 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas have more infrequent accident claims than cities with more traffic congestion.

The graphic below illustrates how location helps determine car insurance rates.

The ranges above show why all drivers should compare rates quotes based on a specific location and their own driving history, instead of using averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $811
• Raising to $1,000 deductibles will save around $124 a year
• The average price for the average middle-age driver with $500 deductibles is $1,346
• Selecting low deductibles increases the price to $1,586
• At-risk drivers with serious driving violations could pay upwards of $2,894 or more
• The price to insure a teen driver may cost $5,346

View Chart as Image

Auto insurance prices for a Dodge Ram 3500 are also quite variable based on deductibles and policy limits, your driver profile, and the trim level of your Ram 3500.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $370 every year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $645 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as little as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay upwards of $5,300 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $1,600 to $2,200 in extra premium each year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 41% to 133% more than the average policy. View High Risk Driver Rates

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 $890 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,920 on average in Michigan, Louisiana, and New York.

View Chart as Image

Since prices can be so different, the only way to know exactly what you will pay is to do a rate comparison and see which company has the best price. Every auto insurance company calculates prices differently, and quoted 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 Shop for the Best Cheap Dodge Ram 3500 Insurance

Getting lower rates on car insurance consists of being a safe and courteous driver, having a good credit score, eliminating unnecessary coverage, and taking advantage of discounts. Invest time comparing rates every couple of years by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below is a quick review of the material that was covered in the charts and tables above.

• Policyholders who require higher levels of liability will pay approximately $660 each year to raise from a low limit to a 250/500 level
• Teenage drivers are charged the highest prices, with premiums as much as $446 a month if comprehensive and collision insurance is included
• Higher risk drivers with a DUI or reckless driving violation pay an average of $1,550 more each year for auto insurance
• Increasing physical damage deductibles could save as much as $375 each year