Dodge Ram 3500 Insurance Rates

The average insurance rates for a Dodge Ram 3500 are $1,300 a year including full coverage. Comprehensive costs around $220 each year, collision costs $288, and liability is estimated at $592. A liability-only policy costs approximately $652 a year, with high-risk insurance costing around $2,790. Teens cost the most to insure at $5,190 a year or more.

Average premium for full coverage: $1,300

Policy rates for type of insurance:

Rates are based on $500 physical damage insurance deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Ram 3500 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on auto insurance rates.

The examples above highlight why all drivers should get quotes for a specific zip code and risk profile, instead of using averaged prices.

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 additional coverage choices and driver risks.

• The cheapest rate after discounts is $788
• Choosing higher $1,000 deductibles can save about $116 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,300
• Selecting low deductibles for comp and collision coverage will increase the cost to $1,520
• Unlucky drivers with serious driving violations could pay at least $2,790 or more
• Policy cost for full coverage for a teen driver can be $5,190 each year

View Chart as Image

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

More mature drivers with no driving violations and high deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged as much as $5,100 a year. View Rates by Age

Your home state plays a big part in determining prices for Dodge Ram 3500 insurance prices. A good driver about age 40 could pay as low as $1,000 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,850 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $340 every year, whereas increasing liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $639 extra every 12 months. 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 at least $1,500 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers ranges as much as 42% to 129% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison and see which company has the best rate. Each auto insurer calculates rates differently, so rate quotes will be varied from one company to the next.

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 Best Cheap Dodge Ram 3500 Insurance

Finding cheaper rates on car insurance takes being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to compare rates every couple of years by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a quick review of the material that was covered in the above illustrations.

• Policyholders who may need more liability coverage will pay approximately $650 per year to raise limits from a 30/60 limit to 250/500 limits
• Teen drivers are the costliest to insure, with premiums being up to $433 each month if full coverage is included
• Higher risk drivers with a DUI or reckless driving violation pay on average $1,490 more every year to insure their Ram 3500
• Increasing comprehensive and collision deductibles can save around $325 each year