Dodge Ram 3500 Insurance Rates

Estimated auto insurance rates for a Dodge Ram 3500 are $1,346 annually with full coverage. Comprehensive costs on average $236, collision insurance costs $314, and liability is $596. A liability-only policy costs around $656 a year, and high-risk insurance costs around $2,894. Teenage drivers pay the most at up to $5,346 a year.

Average premium for full coverage: $1,346

Premium estimates by type of coverage:

Includes $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and for all Ram 3500 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than densely populated cities. The example below illustrates how location impacts car insurance rates.

These rate differences demonstrate why everyone should compare rates quotes based on a specific location and their own personal driving habits, instead of using average rates.

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

More Rate Details

The chart below details average Dodge Ram 3500 insurance rates for different risk profiles and scenarios.

• The best discount rate is $811
• Raising to $1,000 deductibles will save around $124 annually
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,346
• Using pricier low deductibles will cost $1,586
• At-risk drivers who are prone to accidents and violations could pay upwards of $2,894
• An auto insurance policy with full coverage for a teen driver for full coverage may cost $5,346

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Auto insurance prices for a Dodge Ram 3500 also have a wide range based on the model of your Ram 3500, your driving record, and policy deductibles and limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $5,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,600 to $2,200 in extra premium annually, depending on your age. Dodge Ram 3500 insurance for high-risk drivers is expensive and can cost as much as 41% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $370 every year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $645 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Dodge Ram 3500 insurance prices. A middle-age driver might find prices as low as $970 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,820 on average in Florida, Michigan, and New York.

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Insurance Rates by Trim Level and Model Year

Rates assume 2011 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 the Cheapest Dodge Ram 3500 Insurance

Finding better rates on car insurance consists of avoiding accidents and claims, having above-average credit, being claim-free, and deciding if full coverage is necessary. Spend time shopping around once a year by obtaining price quotes from direct companies, and also from local independent and exclusive agents.

The points below are a recap of the data that was touched on above.

• You may be able to save as much as $150 per year just by quoting online well ahead of the renewal date
• Policyholders who require increased liability limits will pay an extra $660 every year to raise from 30/60 bodily injury limits to higher 250/500 limits
• Drivers under the age of 20 are charged the highest prices, possibly costing $446 per month if full coverage is included
• Higher risk drivers that have major violations or accidents pay an average of $1,550 more each year to insure a Dodge Ram 3500