Dodge Ram 3500 Insurance Rates

U.S. average insurance prices for a Dodge Ram 3500 are $1,300 every 12 months including full coverage. Comprehensive insurance costs on average $220 each year, collision costs $288, and liability costs $592. Liability-only coverage costs as little as $652 a year, with high-risk coverage costing $2,790 or more. Teenage drivers pay the highest rates at $5,190 a year or more.

Average premium for full coverage: $1,300

Price estimates by individual coverage:

Prices are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and Ram 3500 models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above highlight why all drivers should compare rates based on a specific location and their own driving history, instead of using average rates.

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

More Rate Information

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

• The best discount rate is $788
• Drivers who choose higher $1,000 deductibles will pay around $116 every year
• The average price for the average middle-age driver with $500 deductibles is $1,300
• Using low deductibles for comprehensive and collision insurance costs an extra $220 every year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,790 or more
• The price to insure a teen driver may cost $5,190 a year

View Chart as Image

Auto insurance prices for a Dodge Ram 3500 are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your Ram 3500.

Using high physical damage deductibles could save up to $340 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $639 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay upwards of $5,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,500 to $2,200 in extra premium each year, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 129% more than a normal policy. View High Risk Driver Rates

The state you live in makes a big difference in Dodge Ram 3500 insurance prices. A 40-year-old driver could pay as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,850 on average in Michigan, New York, and Louisiana.

View Chart as Image

Since prices can be so different, the best way to figure out exactly what you will pay is to do a rate comparison and see which company has the best price. Every company uses a different method to calculate prices, and quoted prices may be quite different.

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 Shop for Affordable Dodge Ram 3500 Insurance

Getting lower rates on car insurance not only requires being a safe and courteous driver, but also having a good credit score, being claim-free, and taking advantage of discounts. Set aside time to compare rates every time your policy renews by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a brief review of the information covered above.

• You may be able to save as much as $150 per year simply by quoting online in advance
• Teenage drivers are charged the highest prices, possibly costing $433 a month if comprehensive and collision insurance is included
• Increasing physical damage deductibles could save as much as $325 each year
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,490 more each year for auto insurance
• Policyholders who require higher levels of liability will pay an extra $650 per year to go from a low limit to a 250/500 level