Dodge Ram 3500 Insurance Rates

Average insurance rates for a Dodge Ram 3500 are $1,380 a year with full coverage. Comprehensive costs an estimated $242 each year, collision costs $346, and liability insurance is $592. Buying just liability costs around $652 a year, with insurance for high-risk drivers costing around $2,970. Teenage drivers receive the highest rates at $5,454 a year or more.

Average premium for full coverage: $1,380

Rate estimates broken down by individual coverage type:

Includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and Ram 3500 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. More rural locations tend to have a lower frequency of collision claims than densely populated cities.

The graphic below illustrates how rural and urban location affects insurance prices.

These examples demonstrate why all drivers should compare rates quotes for a targeted area and risk profile, rather than relying on average rates.

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

More Rate Details

The chart below details estimated Dodge Ram 3500 insurance rates for other coverage scenarios.

• The best discount rate is $827
• Raising to $1,000 deductibles will save approximately $134 annually
• The average rate for a 40-year-old driver who has $500 deductibles is $1,380
• Using low deductibles will increase the cost to $1,636
• Higher-risk drivers who are prone to accidents and violations could pay up to $2,970 or more
• The cost for full coverage for a teen driver can cost as much as $5,454

View Chart as Image

Auto insurance rates for a Dodge Ram 3500 can also vary considerably based on your driver profile, the trim level and model year, and liability limits and deductibles.

More mature drivers with a good driving record and high deductibles could pay as little as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay at least $5,400 a year. View Rates by Age

Where you live also has a big influence on Dodge Ram 3500 insurance rates. A middle-age driver might find rates as low as $990 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,860 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $390 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $639 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out $1,600 to $2,300 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 129% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out which company is cheapest is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and quoted rates can be significantly different from one company to the next.

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 Cheapest Dodge Ram 3500 Insurance

Saving money on Dodge Ram 3500 insurance consists of having a decent driving record, having good credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around at least every other year by obtaining price quotes from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.

The following items are a recap of the car insurance concepts raised in the charts and tables above.

• High-risk drivers that have major violations or accidents may pay on average $1,590 more annually than a driver with a clean driving record
• You may be able to save approximately $160 per year simply by quoting online in advance
• Increasing deductibles can save around $400 each year
• Drivers who want additional liability coverage will pay an extra $650 every year to raise from a minimum limit to 250/500 limits