Dodge Ram 3500 Insurance Rates

The average auto insurance rates for a Dodge Ram 3500 are $1,300 annually for full coverage insurance. Comprehensive costs on average $220 a year, collision costs $288, and liability costs $592. Liability-only insurance costs as little as $652 a year, with high-risk driver insurance costing around $2,790. Teens cost the most to insure at $5,190 a year or more.

Average premium for full coverage: $1,300

Policy rates by type of insurance:

Estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and Ram 3500 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on insurance rates. Rural areas are shown to have fewer physical damage claims than cities with more traffic congestion.

The diagram below illustrates how rural and urban location affects car insurance rates.

The examples above illustrate why it is important to compare rates based on a specific location and their own personal driving habits, instead of using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $788
• Drivers who choose higher $1,000 deductibles will pay around $1,184 each year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,300
• Selecting low $100 deductibles for comprehensive and collision insurance will cost $1,520
• Higher-risk drivers with serious driving violations could pay upwards of $2,790 or more
• Policy cost with full coverage for a teen driver may cost $5,190 a year

View Chart as Image

Auto insurance rates for a Dodge Ram 3500 also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.

Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay upwards of $5,100 a year. View Rates by Age

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

Choosing higher comprehensive and collision insurance deductibles could save up to $340 every year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $639 extra every year. View Rates by Deductible or Liability Limit

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

View Chart as Image

Because rates have so much variability, the only way to figure out exactly what you will pay is to get quotes and see which company has the best rate. Every company calculates rates differently, and quoted rates will be varied between companies.

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 Low Cost Dodge Ram 3500 Insurance

Finding cheaper rates on car insurance not only requires having a decent driving record, but also having above-average credit, being claim-free, and taking advantage of discounts. Set aside time to shop around every year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following items are a review of the coverage data raised in the charts and tables above.

• It is possible to save as much as $150 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $325 each year
• 16 to 18-year-old drivers are charged the highest rates, possibly costing $433 each month if full coverage is included
• Higher risk drivers who have several accidents or serious violations may pay on average $1,490 more each year than a driver with a clean driving record