Dodge Ram 3500 Insurance Rates

The average insurance prices for a Dodge Ram 3500 are $1,346 every 12 months for full coverage insurance. Comprehensive costs on average $236 a year, collision insurance costs $314, and liability costs $596. Liability-only coverage costs as little as $656 a year, and high-risk coverage costs around $2,894. Teens cost the most to insure at up to $5,346 a year.

Average premium for full coverage: $1,346

Policy rates by type of insurance:

Estimates include $500 deductible amounts, liability coverage up to 30/60, 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 more infrequent physical damage claims than cities with more traffic congestion. The diagram below illustrates how where you live affects car insurance rates.

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

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

Additional Rate Information

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

• The cheapest rate after discounts is $811
• Drivers who choose higher $1,000 deductibles will pay around $1,222 each year
• The average price for a good driver age 40 with $500 deductibles is $1,346
• Selecting low $100 deductibles for comprehensive and collision insurance increases the price to $1,586
• Higher-risk drivers with serious driving violations could pay upwards of $2,894
• Policy cost to insure a teen driver may cost $5,346 a year

View Chart as Image

Insurance rates for a Dodge Ram 3500 also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your Ram 3500.

Choosing higher comprehensive and collision insurance deductibles could save up to $370 every year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $645 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay upwards of $5,300 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 probably paying at a minimum $1,600 to $2,200 additional every year, depending on your age. A high-risk auto insurance policy can cost as much as 41% to 133% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in Dodge Ram 3500 insurance prices. A 40-year-old driver could pay as low as $880 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,820 on average in Michigan, New York, and Florida.

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 car insurance not only requires having a good driving record, but also having above-average credit, being claim-free, and dropping full coverage on older vehicles. Take the time to comparison shop every time your policy renews by getting rate quotes from direct insurance companies, and also from several local insurance agents.

The next list is a review of the information touched on in the above illustrations.

• It is possible to save as much as $150 per year just by quoting early and online
• Drivers age 20 and younger pay higher rates, possibly costing $446 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save as much as $375 each year
• Higher risk drivers who have several accidents or serious violations pay on average $1,550 more each year to buy Dodge Ram 3500 insurance
• Policyholders who require increased levels of liability coverage will pay approximately $660 annually to go from a 30/60 limit to a 250/500 level