Dodge Ram 3500 Insurance Rates

Average insurance rates for a Dodge Ram 3500 are $1,380 a year for full coverage. Comprehensive insurance costs on average $242, collision costs $346, and liability insurance costs $592. Liability-only coverage costs as little as $652 a year, with high-risk coverage costing $2,970 or more. 16-year-old drivers receive the highest rates at $5,454 a year or more.

Average premium for full coverage: $1,380

Rate estimates by individual coverage type:

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all states and for all Ram 3500 models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than congested cities.

The example below illustrates how geographic area affects car insurance rates.

These examples show why everyone should compare rates based on a specific location and risk profile, rather than relying on rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $827
• Drivers who choose higher $1,000 deductibles will pay around $134 a year
• The average rate for a 40-year-old driver with $500 deductibles is $1,380
• Buying pricier low deductibles for comprehensive and collision insurance will cost an extra $256 a year
• High risk drivers with multiple tickets or accidents could pay upwards of $2,970 or more
• The cost for full coverage for a teen driver for full coverage may cost $5,454 a year

View Chart as Image

Car insurance rates for a Dodge Ram 3500 can also vary considerably based on your driver profile, the trim level of your Ram 3500, and policy deductibles and limits.

A more mature driver with no driving violations and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged upwards of $5,400 a year. View Rates by Age

Where you live makes a big difference in Dodge Ram 3500 insurance rates. A 40-year-old driver could pay as low as $910 a year in states like Idaho, Maine, and Iowa, or at least $1,970 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could save up to $390 each year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $639 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,600 to $2,300 extra per year, depending on your age. Dodge Ram 3500 insurance for high-risk drivers can cost anywhere from 42% to 129% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to regularly compare rates from as many companies as possible. Every company utilizes a different rate formula, so rate quotes 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 Cheaper Dodge Ram 3500 Insurance

Saving money on Dodge Ram 3500 insurance not only requires avoiding accidents and claims, but also having above-average credit, eliminating unneeded coverage, and maximizing policy discounts. Invest the time to compare rates every time your policy renews by requesting quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The points below are a condensed summary of the information presented in the illustrations above.

• Drivers can save as much as $160 per year simply by quoting online well ahead of the renewal date
• Drivers under the age of 20 are expensive to insure, costing as high as $455 per month if full coverage is included
• Increasing deductibles can save around $400 each year
• High-risk drivers with multiple at-fault accidents will pay on average $1,590 more each year to insure a Dodge Ram 3500
• Drivers who require increased liability limits will pay around $650 each year to go from a minimum limit to 250/500 limits