Dodge Ram 3500 Insurance Rates

Average auto insurance rates for a Dodge Ram 3500 are $1,380 annually for full coverage. Comprehensive costs around $242 a year, collision costs $346, and liability costs $592. A liability-only policy costs as little as $652 a year, with high-risk insurance costing around $2,970. Teenage drivers receive the highest rates at $5,454 a year or more.

Average premium for full coverage: $1,380

Rate estimates for individual coverage type:

Prices are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both 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

Your location can have significant affects on auto insurance rates. Areas with sparse population tend to have fewer accident claims than densely populated cities.

The diagram below illustrates how geographic area affects auto insurance rates.

These examples show why it is important to compare rates for a specific zip code and their own personal driving habits, instead of using average rates.

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

Rate Comparisons

The chart below shows estimated Dodge Ram 3500 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $827
• Drivers who choose higher $1,000 deductibles will pay about $1,246 a year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,380
• Using low $100 deductibles for comprehensive and collision insurance will cost $1,636
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,970 or more
• The cost with full coverage for a teen driver can be $5,454 a year

View Chart as Image

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

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay as much as $5,400 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at least $1,600 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $390 every year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $639 more per year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Dodge Ram 3500 insurance prices. A 40-year-old driver could pay as low as $910 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,970 on average in Michigan, Louisiana, and New York.

View Chart as Image

With so much variability in rates, the only way to know your exact price is to get quotes and see which company has the best rate. Every company uses a different method to calculate rates, so the rates can be significantly different between companies.

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 Buy Affordable Dodge Ram 3500 Insurance

Saving money on car insurance not only requires having a decent driving record, but also having a good credit history, eliminating unneeded coverage, and insuring your home and auto with the same company. Invest the time to compare rates at every other renewal by getting rate quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The following items are a brief review of the concepts that were presented in the illustrations above.

• Higher risk drivers with DUI or reckless driving convictions pay an average of $1,590 more every year than a driver with a clean driving record
• 16 to 18-year-old drivers pay higher rates, costing as high as $455 per month including comprehensive and collision insurance
• Drivers can save up to $160 per year simply by quoting early and online
• Increasing deductibles could save up to $400 each year
• Drivers can save up to $160 per year simply by quoting early and online