Dodge Ram 3500 Insurance Rates

Average insurance prices for a Dodge Ram 3500 are $1,300 every 12 months including full coverage. Comprehensive costs an estimated $220 a year, collision costs $288, and liability insurance is $592. Buying just liability costs around $652 a year, with insurance for high-risk drivers costing around $2,790. Teen drivers receive the highest rates at $5,190 a year or more.

Average premium for full coverage: $1,300

Rate estimates broken down by individual coverage type:

Includes $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and Ram 3500 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on the price of auto insurance. More rural locations tend to have more infrequent comprehensive and collision claims than larger metro areas.

The diagram below illustrates how location helps determine insurance prices.

These examples highlight why it is important to compare rates quotes for a targeted area and their own driving history, rather than relying on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $788
• Raising to $1,000 deductibles will save approximately $1,184 every year
• The average price for a 40-year-old driver who has $500 deductibles is $1,300
• Choosing low $100 deductibles increases the price to $1,520
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,790 or more
• The cost to insure a teen driver can cost as much as $5,190

View Chart as Image

Auto insurance rates for a Dodge Ram 3500 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model year and trim level.

Choosing high deductibles can reduce rates by up to $340 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $639 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay at least $5,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying $1,500 to $2,200 in extra premium per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 129% more than average. View High Risk Driver Rates

Where you live 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 as much as $1,850 on average in Louisiana, New York, and Michigan.

View Chart as Image

With so much variability in rates, the best way to figure out which company is cheapest is to get quotes from as many companies as possible. Every auto insurance company uses a different rate calculation, and quoted rates can be significantly 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 the Cheapest Dodge Ram 3500 Insurance

Saving money on Dodge Ram 3500 insurance consists of avoiding accidents and claims, having a good credit score, not filing small claims, and qualifying for all possible discounts. Invest time comparing rates once a year by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The points below are a recap of the data that was covered in the charts and tables above.

• You may be able to save approximately $150 per year simply by quoting early and online
• Drivers who want increased liability limits will pay about $650 per year to raise from a minimum limit to a 250/500 level
• Drivers under the age of 20 are the costliest to insure, as much as $433 per month if comprehensive and collision insurance is included
• High-risk drivers that have major violations or accidents may have to pay on average $1,490 more annually to insure a Dodge Ram 3500