Dodge Ram 3500 Insurance Rates

The average insurance rates for a Dodge Ram 3500 are $1,300 a year including full coverage. Comprehensive costs an estimated $220, collision insurance costs $288, and liability insurance is $592. Liability-only coverage costs around $652 a year, and high-risk coverage costs around $2,790. 16-year-old drivers cost the most to insure at up to $5,190 a year.

Average premium for full coverage: $1,300

Policy rates broken down by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for all Ram 3500 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than congested cities. The example below illustrates how your location can change insurance prices.

The examples above highlight why everyone should compare rates quotes for a targeted area and risk profile, rather than relying on rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $788
• Raising to $1,000 deductibles will save approximately $116 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,300
• Buying pricier low deductibles will increase the cost to $1,520
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,790
• Policy cost for full coverage for a teen driver for full coverage can cost as much as $5,190

View Chart as Image

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

A more mature driver with no violations or accidents and high deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay at least $5,100 a year. View Rates by Age

Your home state also has a big influence on Dodge Ram 3500 insurance rates. A middle-age driver might find rates as low as $1,000 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,850 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $340 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $639 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,500 to $2,200 additional every year, depending on your age. Dodge Ram 3500 insurance for high-risk drivers is expensive and can cost anywhere from 42% to 129% more than the average rate. View High Risk Driver Rates

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 More Affordable Dodge Ram 3500 Insurance

Finding cheaper rates on Dodge Ram 3500 insurance consists of having a decent driving record, having a good credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Invest the time to shop around every year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following items are a summary of the coverage data illustrated above.

• You may be able to save approximately $150 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $325 each year
• 16 to 18-year-old drivers are expensive to insure, with premiums being up to $433 each month including comprehensive and collision insurance
• High-risk drivers who have multiple accidents or major violations may pay on average $1,490 more annually than a driver with a clean driving record