Dodge Ram 3500 Insurance Rates

The average insurance prices for a Dodge Ram 3500 are $1,380 every 12 months including full coverage. Comprehensive costs around $242, collision insurance costs $346, and liability insurance is $592. Liability-only coverage costs around $652 a year, and high-risk coverage costs around $2,970. 16-year-old drivers cost the most to insure at up to $5,454 a year.

Average premium for full coverage: $1,380

Policy rates for type of insurance:

Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Ram 3500 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than congested cities. The example below illustrates how geographic area affects auto insurance rates.

The examples above highlight why everyone should compare rates quotes for a specific zip code and their own driving history, rather than relying on rate averages.

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

Detailed Rate Analysis

The chart below breaks down average Dodge Ram 3500 insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $827
• Raising to $1,000 deductibles will save about $134 every year
• The average price for a good driver age 40 using $500 deductibles is $1,380
• Buying pricier low deductibles increases the price to $1,636
• Higher-risk drivers with multiple tickets or accidents could pay at least $2,970
• Policy cost to insure a teen driver for full coverage can be $5,454

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

Opting for high physical damage deductibles can reduce rates by up to $390 each year, whereas buying more liability protection will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $639 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay as much as $5,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,600 to $2,300 additional every year, depending on your age. Dodge Ram 3500 insurance for high-risk drivers is expensive and can cost anywhere from 42% to 129% more than the average rate. 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 $1,060 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,970 on average in Michigan, New York, and Louisiana.

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 Low Cost Dodge Ram 3500 Insurance

Finding cheaper rates on Dodge Ram 3500 insurance consists of being a good driver, having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Invest the time to compare rates every time your policy renews by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

The following list is a review of the information presented in the illustrations above.

• You may be able to save up to $160 per year just by quoting online well ahead of the renewal date
• Drivers age 16 to 20 are charged the highest rates, with premiums being up to $455 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save as much as $400 each year
• High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,590 more every year than a safer driver
• Drivers who may need an increased level of liability coverage will pay around $650 per year to raise from a 30/60 limit to a 250/500 level