Dodge Ram 3500 Insurance Rates

The average auto insurance rates for a Dodge Ram 3500 are $1,346 annually for full coverage insurance. Comprehensive insurance costs approximately $236, collision costs $314, and liability costs $596. A liability-only policy costs as little as $656 a year, with high-risk insurance costing $2,894 or more. Teenage drivers cost the most to insure at $5,346 a year or more.

Average premium for full coverage: $1,346

Policy rates by type of insurance:

Full coverage includes $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for all Ram 3500 models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than densely populated cities.

The example below illustrates how location impacts auto insurance prices.

The examples above illustrate why everyone should compare rates using their specific location and their own personal driving habits, instead of using average rates.

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

Additional Rate Details

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

• The best discount rate is $811
• Drivers who choose higher $1,000 deductibles will pay $124 each year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,346
• Using pricier low deductibles for comprehensive and collision insurance costs an additional $240 every year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,894 or more
• Policy cost with full coverage for a teen driver for full coverage can cost $5,346 a year

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Car insurance rates for a Dodge Ram 3500 also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged in the ballpark of $5,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $1,600 to $2,200 extra every year, depending on your age. Dodge Ram 3500 insurance for high-risk drivers can cost as much as 41% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $370 every year, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $645 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Dodge Ram 3500 insurance prices. A 40-year-old driver could pay as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,820 on average in Florida, New York, and Michigan.

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Because rates have so much variability, the only way to figure out who has the best car insurance rates is to regularly compare rates and see which company has the best rate. Every company uses a different method to calculate rates, so rate quotes will be varied between companies.

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 More Affordable Dodge Ram 3500 Insurance

Finding cheaper rates on car insurance not only requires being a safe and courteous driver, but also having a good credit score, being claim-free, and avoiding coverage lapses. Spend time shopping around at every other renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below is a summary of the concepts that were touched on above.

• Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $1,550 more per year for auto insurance
• Teenage drivers pay the highest auto insurance rates, possibly costing $446 each month if comprehensive and collision insurance is included
• It is possible to save around $150 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $375 each year
• It is possible to save around $150 per year simply by quoting online well ahead of the renewal date