Dodge Ram 3500 Insurance Rates

Estimated insurance rates for a Dodge Ram 3500 are $1,346 a year with full coverage. Comprehensive insurance costs approximately $236 a year, collision costs $314, and liability costs around $596. A policy with only liability insurance costs as low as $656 a year, with a high-risk policy costing $2,894 or more. Teen drivers pay the most at $5,346 a year or more.

Average premium for full coverage: $1,346

Premium estimates by type of coverage:

Estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and Ram 3500 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates how rural and urban location affects auto insurance prices.

These rate differences demonstrate why it is important to compare prices using their 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.

Additional Charts and Tables

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

• The lowest rate with discounts is $811
• Using higher $1,000 deductibles will save $1,222 annually
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,346
• Choosing low $100 deductibles for physical damage coverage will cost an extra $240 annually
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,894 or more
• An auto insurance policy for full coverage for a 16-year-old driver can cost $5,346 or more

View Chart as Image

Car insurance prices for a Dodge Ram 3500 also have a wide range based on your driving characteristics, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will be charged in the ballpark of $5,300 a year. View Rates by Age

Where you choose to live has a huge impact on Dodge Ram 3500 insurance prices. A driver around age 40 might see prices as low as $970 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,820 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could cut prices by as much as $370 annually, while buying higher liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $645 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out anywhere from $1,600 to $2,200 extra annually, depending on your age. A high-risk auto insurance policy can be from 41% to 133% more than average. View High Risk Driver Rates

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to get quotes from multiple companies. Each insurance company uses a different rate calculation, so rate quotes 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 Low Cost Dodge Ram 3500 Insurance

Finding better rates on insurance for a Dodge Ram 3500 requires being safe and accident-free, having above-average credit, being claim-free, and avoiding coverage lapses. Set aside time to shop around at least once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a review of the primary concepts that were raised in the charts and tables above.

• You may be able to save around $150 per year simply by quoting early and online
• Drivers considered higher risk who have several accidents or serious violations pay on average $1,550 more per year than a low-risk driver
• Increasing policy deductibles can save around $375 each year
• Youthful drivers pay the highest auto insurance prices, possibly costing $446 per month if full coverage is included