Dodge Ram 3500 Insurance Rates

Average insurance prices for a Dodge Ram 3500 are $1,300 every 12 months for full coverage. Comprehensive costs an estimated $220 a year, collision costs $288, and liability coverage is estimated at $592. Buying just liability costs approximately $652 a year, with insurance for high-risk drivers costing around $2,790. Teens receive the highest rates at $5,190 a year or more.

Average premium for full coverage: $1,300

Rate estimates broken down by individual coverage type:

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and Ram 3500 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on insurance rates. More rural locations tend to have more infrequent accident claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on insurance prices.

These examples show why it is important to get quotes for a targeted area and their own driving history, rather than using averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $788
• Choosing higher $1,000 deductibles can save approximately $1,184 a year
• The average price for a 40-year-old driver who has $500 deductibles is $1,300
• Selecting low $100 deductibles for comp and collision coverage increases the price to $1,520
• Drivers with serious driving violations could pay up to $2,790 or more
• The cost to insure a teenage driver can cost as much as $5,190 each year

View Chart as Image

Auto insurance rates for a Dodge Ram 3500 can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can save as much as $340 a year, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $639 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $1,200 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay at least $5,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying $1,500 to $2,200 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges around 42% to 129% more than the average policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Dodge Ram 3500 insurance rates. A good driver about age 40 could pay as low as $860 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,850 on average in New York, Louisiana, and Michigan.

View Chart as Image

With so much variability in rates, the only way to know which company is cheapest is to get quotes and see how they stack up. Each auto insurer calculates rates differently, and quoted rates can be significantly 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 Affordable Dodge Ram 3500 Insurance

Saving money on auto insurance takes avoiding accidents and claims, having a good credit score, eliminating unneeded coverage, and qualifying for all possible discounts. Take the time to compare rates at every policy renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a brief review of the data covered in the above illustrations.

• Consumers who want increased liability limits will pay approximately $650 each year to raise limits from a minimum limit to a 250/500 level
• Drivers can save approximately $150 per year simply by quoting early and online
• Increasing deductibles could save as much as $325 each year
• Drivers under the age of 20 are the costliest to insure, costing as high as $433 per month if comprehensive and collision insurance is included