Dodge Ram 3500 Insurance Rates

U.S. average insurance rates for a Dodge Ram 3500 are $1,346 a year with full coverage. Comprehensive costs around $236, collision insurance costs $314, and liability insurance is estimated at $596. Buying just liability costs approximately $656 a year, and insurance for high-risk drivers costs around $2,894. Teen drivers pay the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,346

Price estimates for individual coverage:

Prices include $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and for different Ram 3500 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on insurance rates. Areas with sparse population have a lower frequency of collision claims than larger metro areas. The price range example below illustrates how geographic area affects auto insurance rates.

The ranges above demonstrate why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, rather than relying on price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $811
• Choosing higher $1,000 deductibles can save about $124 annually
• The average rate for the average middle-age driver using $500 deductibles is $1,346
• Choosing more expensive low deductibles for comp and collision coverage will increase the cost to $1,586
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,894
• The price for full coverage for a teen driver with full coverage can be $5,346 each year

View Chart as Image

Insurance prices for a Dodge Ram 3500 are also quite variable based on your driving record, the trim level and model year, and deductibles and policy limits.

An older driver with no violations or accidents and high deductibles could pay as little as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay as much as $5,300 a year. View Rates by Age

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 $970 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,820 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles can save as much as $370 each year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $645 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at least $1,600 to $2,200 additional each year, depending on your age. High-risk driver insurance ranges anywhere from 41% to 133% more than average. 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 the Right Dodge Ram 3500 Insurance

Getting lower rates on Dodge Ram 3500 insurance takes being a good driver, having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest the time to compare rates at every other renewal by getting quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The following list is a quick rundown of the concepts that were presented in the illustrations above.

• High-risk drivers with reckless driving or DUI convictions pay an average of $1,550 more every year than a safer driver
• Drivers age 16 to 20 are charged the highest prices, costing up to $446 a month including comprehensive and collision insurance
• You may be able to save up to $150 per year just by shopping early and online
• Increasing physical damage deductibles can save around $375 each year
• You may be able to save up to $150 per year just by shopping early and online