Dodge Ram 3500 Insurance Rates

The average insurance rates for a Dodge Ram 3500 are $1,300 a year for full coverage insurance. Comprehensive costs an estimated $220 a year, collision insurance costs $288, and liability is $592. Liability-only insurance costs around $652 a year, and high-risk driver insurance costs around $2,790. Teen drivers cost the most to insure at up to $5,190 a year.

Average premium for full coverage: $1,300

Policy rates broken down by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and Ram 3500 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than larger metro areas. The diagram below illustrates how location impacts insurance prices.

The examples above illustrate why it is important to compare rates quotes for a targeted area, instead of making a decision based on price 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 other coverage scenarios.

• The lowest rate with discounts is $788
• Raising to $1,000 deductibles will save approximately $1,184 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,300
• Choosing low $100 deductibles bumps up the cost to $1,520
• Drivers with multiple violations and an at-fault accident could pay up to $2,790
• Policy cost that insures a 16-year-old driver can cost as much as $5,190

View Chart as Image

Auto insurance rates for a Dodge Ram 3500 also range considerably based on the trim level of your Ram 3500, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,500 to $2,200 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 129% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay at least $5,100 a year. View Rates by Age

Your home state also has a big influence on Dodge Ram 3500 insurance prices. A middle-age driver might find rates 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.

View Chart as Image

Choosing high deductibles can reduce rates by up to $340 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $639 extra every year. 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 the Best Dodge Ram 3500 Insurance

Finding cheaper rates on insurance for a Dodge Ram 3500 consists of having a decent driving record, maintaining a good credit score, being claim-free, and consideration of higher deductibles. Shop around every time your policy renews by getting quotes from direct insurance companies, and also from local insurance agencies.

The following items are a brief recap of the information touched on above.

• It is possible to save approximately $150 per year just by quoting early and online
• 16 to 18-year-old drivers are the costliest to insure, possibly costing $433 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles can save approximately $325 each year
• Drivers considered higher risk who tend to receive serious violations may have to pay on average $1,490 more annually than a driver with a clean driving record
• Insureds who want additional liability coverage will pay about $650 annually to raise from a 30/60 limit to the 250/500 level