Dodge Ram 3500 Insurance Rates

U.S. average auto insurance rates for a Dodge Ram 3500 are $1,346 annually including full coverage. Comprehensive costs an estimated $236, collision costs $314, and liability insurance is estimated at $596. Liability-only insurance costs approximately $656 a year, with high-risk driver insurance costing around $2,894. Teenage drivers pay the highest rates at $5,346 a year or more.

Average premium for full coverage: $1,346

Price estimates broken down by individual coverage:

Estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for all Ram 3500 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than densely populated cities.

The example below illustrates how your location can change insurance prices.

The ranges above highlight why everyone should get quotes for a targeted area and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Information

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

• The best discount rate is $811
• Choosing higher $1,000 deductibles can save approximately $124 every year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,346
• Using pricier low deductibles for comp and collision coverage will cost $1,586
• High-risk insureds who are prone to accidents and violations could pay up to $2,894 or more
• The price with full coverage for a teen driver for full coverage can cost as much as $5,346 each year

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Car insurance prices for a Dodge Ram 3500 are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.

A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged at least $5,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,600 to $2,200 extra each year, depending on your age. Dodge Ram 3500 insurance for high-risk drivers ranges anywhere from 41% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $370 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $645 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Dodge Ram 3500 insurance rates. A good driver about age 40 could pay as low as $1,030 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,920 on average in Louisiana, New York, and Michigan.

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Since prices can be so different, the best way to figure out which car insurance is cheapest is to regularly compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, so rate quotes may be quite different 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

Getting lower rates on Dodge Ram 3500 insurance takes having a decent driving record, having a good credit score, being claim-free, and not having any coverage lapses. Invest the time to shop around every couple of years by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following items are a review of the material that was illustrated above.

• Drivers who want additional liability coverage will pay an extra $660 per year to raise limits from a low limit to higher 250/500 limits
• 16 to 18-year-old drivers have the highest car insurance prices, possibly costing $446 a month if comprehensive and collision insurance is included
• High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,550 more annually than a driver with a clean driving record
• Increasing physical damage deductibles could save up to $375 each year