Dodge Ram 3500 Insurance Rates

U.S. average insurance rates for a Dodge Ram 3500 are $1,300 a year for full coverage insurance. Comprehensive costs on average $220 a year, collision insurance costs $288, and liability insurance costs $592. Liability-only insurance costs as little as $652 a year, and high-risk driver insurance costs around $2,790. 16-year-old drivers pay the highest rates at up to $5,190 a year.

Average premium for full coverage: $1,300

Price estimates by individual coverage:

Full coverage includes $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and Ram 3500 trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on insurance rates. Rural areas have lower incidents of physical damage claims than congested cities. The diagram below illustrates how where you live affects car insurance rates.

The ranges above illustrate why it is important to compare rates based on a specific location, rather than relying on rate averages.

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

More Rate Information

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

• The best full coverage rate is $788
• Drivers who choose higher $1,000 deductibles will pay around $1,184 each year
• The estimated price for the average middle-age driver with $500 deductibles is $1,300
• Buying low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,520
• High risk drivers with multiple tickets or accidents could pay upwards of $2,790
• The price that insures a teen driver may cost $5,190 a year

View Chart as Image

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

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,500 to $2,200 extra each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 129% more than the average rate. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged upwards of $5,100 a year. View Rates by Age

The state you live in makes a big difference in Dodge Ram 3500 insurance rates. A 40-year-old driver could pay as low as $850 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,750 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles could save up to $340 each year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $639 extra every 12 months. View Rates by Deductible or Liability Limit

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 Find More Affordable Dodge Ram 3500 Insurance

Getting lower rates on Dodge Ram 3500 insurance not only requires being a safe and courteous driver, but also having a positive credit history, not filing small claims, and possibly raising deductibles. Comparison shop at every other renewal by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

Below is a summary of the concepts that were touched on in the above illustrations.

• High-risk drivers who have multiple accidents or major violations may pay on average $1,490 more each year for auto insurance
• Teenage drivers are expensive to insure, as much as $433 a month if full coverage is purchased
• It is possible to save as much as $150 per year just by quoting early and online
• Increasing physical damage deductibles can save approximately $325 each year
• It is possible to save as much as $150 per year just by quoting early and online