Dodge Ram 3500 Insurance Rates

The average insurance rates for a Dodge Ram 3500 are $1,346 a year for full coverage. Comprehensive costs around $236 a year, collision costs $314, and liability coverage costs around $596. Liability-only coverage costs as low as $656 a year, with high-risk coverage costing around $2,894. Teens cost the most to insure at $5,346 a year or more.

Average premium for full coverage: $1,346

Policy rates for type of insurance:

These estimates include $500 deductible amounts, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Ram 3500 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than cities with more traffic congestion.

The diagram below illustrates how location impacts auto insurance rates.

The examples above show why it is important to compare prices for a specific zip code, rather than using averaged prices.

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

Additional Rate Details

The chart below shows estimated Dodge Ram 3500 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $811
• Using higher $1,000 deductibles will save about $1,222 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,346
• Selecting low $100 deductibles for physical damage coverage bumps up the cost to $1,586
• Higher-risk drivers with serious driving violations could pay at least $2,894 or more
• Policy cost that insures a teenage driver can be $5,346 or more

View Chart as Image

Insurance rates for a Dodge Ram 3500 also range considerably based on the trim level of your Ram 3500, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,600 to $2,200 additional every year, depending on your age. A high-risk auto insurance policy can be around 41% to 133% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay as much as $5,300 a year. View Rates by Age

Your home state has a huge impact on Dodge Ram 3500 insurance rates. A driver around age 40 might see rates as low as $890 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,920 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $370 a year, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $645 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know your exact price is to get quotes and see how they stack up. Each insurance company calculates rates differently, and rates will be varied.

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 Cheap Dodge Ram 3500 Insurance

Finding cheaper rates on auto insurance requires having a good driving record, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Compare rates at least every other year by quoting rates from direct carriers, and also from several local insurance agents.

The next list is a brief summary of the car insurance concepts touched on above.

• Drivers that tend to have accidents or serious violations pay on average $1,550 more every year to buy Dodge Ram 3500 insurance
• Drivers can save up to $150 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $375 each year
• Consumers who may need increased levels of liability coverage will pay approximately $660 each year to increase from a 30/60 limit to the 250/500 level