Dodge Ram 3500 Insurance Rates

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

Average premium for full coverage: $1,346

Price estimates broken down by individual coverage:

Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and Ram 3500 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on car insurance rates. More rural locations have more infrequent collision claims than cities with more traffic congestion. The diagram below illustrates how location helps determine insurance prices.

The ranges above demonstrate why it is important to get quotes for a targeted area and their own driving history, instead of using averaged prices.

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

Additional Charts and Tables

The chart below details average Dodge Ram 3500 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $811
• Choosing higher $1,000 deductibles can save approximately $1,222 annually
• The average price for the average middle-age driver who has $500 deductibles is $1,346
• Selecting low $100 deductibles for comp and collision coverage increases the price to $1,586
• Unlucky drivers with serious driving violations could pay up to $2,894
• The price to insure a teen driver can cost as much as $5,346 each year

View Chart as Image

Car insurance prices for a Dodge Ram 3500 are also quite variable based on deductibles and policy limits, your driving record, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles can save as much as $370 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $645 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as little as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged at least $5,300 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out $1,600 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy ranges as much as 41% to 133% more than the average policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Dodge Ram 3500 insurance prices. A good driver about age 40 could pay as low as $970 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,820 on average in New York, Michigan, and Florida.

View Chart as Image

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 Dodge Ram 3500 Insurance

Getting lower rates on car insurance takes being a good driver, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Invest time comparing rates at every other renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a brief recap of the concepts that were covered in the charts and tables above.

• Higher risk drivers who tend to receive serious violations may pay on average $1,550 more annually than a safer driver
• Drivers age 16 to 20 have the highest car insurance prices, costing up to $446 a month if the policy includes full coverage
• You may be able to save approximately $150 per year just by quoting early and online
• Increasing physical damage deductibles could save as much as $375 each year
• You may be able to save approximately $150 per year just by quoting early and online