Dodge Ram 3500 Insurance Rates

U.S. average auto insurance rates for a Dodge Ram 3500 are $1,346 annually with full coverage. Comprehensive costs around $236 a year, collision insurance costs $314, and liability insurance costs around $596. Liability-only coverage costs as low as $656 a year, and high-risk coverage costs around $2,894. Teenage drivers pay the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,346

Price estimates for individual coverage:

Prices are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, 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

Where you live has a significant impact on insurance rates. Areas with sparse population have fewer collision claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance rates.

The ranges above demonstrate why it is important to compare prices for a specific zip code and their own personal driving habits, rather than relying on average rates.

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 additional coverage choices and driver risks.

• The best discount rate is $811
• Using higher $1,000 deductibles will save about $1,222 annually
• The estimated rate for the average middle-age driver using $500 deductibles is $1,346
• Using low $100 deductibles for physical damage coverage will cost $1,586
• Drivers who are prone to accidents and violations could pay at least $2,894
• The price with full coverage for a teen driver can be $5,346 or more

View Chart as Image

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

Older drivers with a good driving record and high physical damage deductibles could pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay as much as $5,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out at least $1,600 to $2,200 in extra premium each year, depending on your age. A high-risk auto insurance policy can be anywhere from 41% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $370 each year, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $645 extra every year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Dodge Ram 3500 insurance rates. A driver around age 40 might see 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.

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 Buy Affordable Dodge Ram 3500 Insurance

Getting lower rates on Dodge Ram 3500 insurance requires being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to shop around every time your policy renews by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a brief review of the information raised in the charts and tables above.

• You may be able to save up to $150 per year just by quoting early and online
• Teen drivers are expensive to insure, costing up to $446 a month if full coverage is included
• Increasing physical damage deductibles could save up to $375 each year
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,550 more every year to insure their Ram 3500
• Drivers who may need more liability coverage will pay an extra $660 every year to increase from a low limit to higher 250/500 limits