Dodge Ram 3500 Insurance Rates

The average insurance prices for a Dodge Ram 3500 are $1,300 every 12 months with full coverage. Comprehensive insurance costs an estimated $220, collision costs $288, and liability insurance is $592. Buying just liability costs around $652 a year, with insurance for high-risk drivers costing $2,790 or more. Teenage drivers cost the most to insure at $5,190 a year or more.

Average premium for full coverage: $1,300

Policy rates broken down by type of insurance:

Full coverage includes $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Ram 3500 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. More rural locations are shown to have more infrequent collision claims than densely populated cities.

The price range example below illustrates how location impacts insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, rather than relying on average rates.

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

Rate Comparisons

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

• The best discount rate is $788
• Raising to $1,000 deductibles will save approximately $116 annually
• The average price for a good driver age 40 who has $500 deductibles is $1,300
• Using more expensive low deductibles costs an extra $220 a year
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,790 or more
• Policy cost to insure a teen driver with full coverage can cost as much as $5,190

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Insurance rates for a Dodge Ram 3500 also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.

Using high physical damage deductibles can reduce rates by up to $340 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $639 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay at least $5,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,500 to $2,200 extra every year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 42% to 129% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Dodge Ram 3500 insurance rates. A middle-age driver might find rates as low as $930 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,750 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, so the rates will be varied.

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 More Affordable Dodge Ram 3500 Insurance

Finding cheaper rates on Dodge Ram 3500 insurance consists of being a low-risk driver, having good credit, not filing small claims, and taking advantage of discounts. Spend time shopping around every couple of years by getting quotes from direct companies, and also from your local independent and exclusive agents.

The items below are a summary of the material that was touched on above.

• Drivers who want more liability coverage will pay an extra $650 every year to raise from a 30/60 limit to a 250/500 level
• Teen drivers are charged the highest rates, as much as $433 each month if they have full coverage
• High-risk drivers who have multiple accidents or major violations may pay on average $1,490 more annually to insure their Ram 3500
• Increasing comprehensive and collision deductibles could save as much as $325 each year