Dodge Ram 3500 Insurance Rates

Estimated insurance rates for a Dodge Ram 3500 are $1,300 a year including full coverage. Comprehensive insurance costs an estimated $220 each year, collision costs $288, and liability is estimated at $592. Liability-only coverage costs approximately $652 a year, with high-risk coverage costing $2,790 or more. 16-year-old drivers pay the most at $5,190 a year or more.

Average premium for full coverage: $1,300

Premium estimates broken down by type of coverage:

Rate estimates include $500 policy deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and Ram 3500 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on the price of auto insurance. More rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than congested cities.

The graphic below illustrates how your location can change insurance prices.

These rate differences highlight why all drivers should get quotes for a targeted area and risk profile, instead of making a decision based on rate averages.

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

Rates by State, City, and Model

The chart below breaks down estimated Dodge Ram 3500 insurance rates for other coverage scenarios.

• The best full coverage rate is $788
• Choosing higher $1,000 deductibles can save approximately $116 every year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,300
• Buying low deductibles for comp and collision coverage will cost an extra $220 annually
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,790 or more
• An auto insurance policy for full coverage for a 16-year-old driver can cost as much as $5,190 each year

View Chart as Image

Insurance prices for a Dodge Ram 3500 also have a wide range based on your driving characteristics, the model of your Ram 3500, and liability limits and deductibles.

More mature drivers with a clean driving record and high deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay at least $5,100 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Dodge Ram 3500 insurance prices. A good driver about age 40 could pay as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,850 on average in Louisiana, New York, and Michigan.

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Opting for high physical damage deductibles can save as much as $340 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost up to $639 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying $1,500 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers ranges from 42% to 129% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the best way to figure out which insurance company is cheapest is to do a rate comparison from multiple companies. Each auto insurer utilizes a different rate formula, so the prices will be substantially 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 the Best Dodge Ram 3500 Insurance

Finding better rates on insurance for a Dodge Ram 3500 takes being safe and accident-free, maintaining good credit, refrain from filing small claims, and taking advantage of discounts. Invest the time to shop around every year by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a brief recap of the coverage data illustrated above.

• You may be able to save approximately $150 per year simply by quoting online in advance
• Increasing policy deductibles can save around $325 each year
• Youthful drivers are charged the highest prices, with the cost nearing $433 per month for full coverage
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,490 more annually than a low-risk driver