Dodge Ram 3500 Insurance Rates

Estimated insurance prices for a Dodge Ram 3500 are $1,300 every 12 months for full coverage insurance. Comprehensive costs approximately $220, collision insurance costs $288, and liability is estimated at $592. Liability-only insurance costs approximately $652 a year, and high-risk driver insurance costs around $2,790. Teen drivers pay the most at up to $5,190 a year.

Average premium for full coverage: $1,300

Premium estimates by type of coverage:

Prices are based on $500 physical damage deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and for all Ram 3500 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than larger metro areas. The example below illustrates how where you live affects auto insurance prices.

These rate differences illustrate why everyone should get quotes using their specific location and their own driving history, instead of making a decision based on price averages.

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

Additional Charts and Tables

The chart below illustrates average Dodge Ram 3500 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $788
• Choosing higher $1,000 deductibles can save $116 each year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,300
• Choosing pricier low deductibles for comp and collision coverage increases the price to $1,520
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,790
• An auto insurance policy to insure a 16-year-old driver for full coverage can cost $5,190 each year

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Insurance prices for a Dodge Ram 3500 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your Ram 3500.

Choosing high deductibles can save as much as $340 annually, whereas buying more liability protection will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost 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 may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $5,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,500 to $2,200 additional annually, depending on your age. Dodge Ram 3500 insurance for high-risk drivers ranges from 42% to 129% more than average. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Dodge Ram 3500 insurance prices. A good driver about age 40 could pay as low as $850 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,750 on average in Florida, New York, and Michigan.

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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 Affordable Dodge Ram 3500 Insurance

Finding better rates on insurance for a Dodge Ram 3500 takes being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Take the time to comparison shop at least once a year by getting rate quotes from direct insurance companies, and also from local insurance agencies.

Below is a brief review of the primary concepts that were touched on in the above illustrations.

• It is possible to save around $150 per year just by quoting online well ahead of the renewal date
• Drivers considered higher risk with DUI or reckless driving convictions may have to pay on average $1,490 more per year for auto insurance
• Increasing policy deductibles could save as much as $325 each year
• Teenage drivers are the costliest to insure, with premiums being up to $433 per month if full coverage is included