Dodge Ram 3500 Insurance Rates

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

Average premium for full coverage: $1,300

Premium estimates for type of coverage:

Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and Ram 3500 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than cities with more traffic congestion.

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

These rate differences demonstrate why all drivers should get quotes for a specific zip code and their own personal driving habits, instead of using averaged prices.

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

More Rate Information

The chart below details 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 annually
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,300
• Selecting low deductibles for comp and collision coverage will cost $1,520
• Unlucky drivers with serious driving violations could pay at least $2,790 or more
• An auto insurance policy with full coverage for a teen driver can be $5,190 each year

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Car insurance prices for a Dodge Ram 3500 also have a wide range based on the model of your Ram 3500, your driving record, and deductibles and policy limits.

More mature drivers with no driving violations and high physical damage deductibles may pay as little as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged as much as $5,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at least $1,500 to $2,200 extra annually, 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

Choosing higher comprehensive and collision insurance deductibles can save as much as $340 every year, whereas increasing liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $639 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Dodge Ram 3500 insurance prices. A good driver about age 40 could pay as low as $930 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,750 on average in Florida, Michigan, and New York.

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With such a large range in prices, the best way to find out your exact price is to do a rate comparison and see which company has the best price. Each auto insurer calculates prices differently, so rate quotes will be substantially different between companies.

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 Buy More Affordable Dodge Ram 3500 Insurance

Finding better rates on car insurance takes avoiding accidents and claims, having a good credit score, being claim-free, and qualifying for all possible discounts. Set aside time to compare rates at least once a year by obtaining price quotes from direct companies, and also from local exclusive and independent agents.

The points below are a summary of the primary concepts that were covered above.

• You may be able to save up to $150 per year simply by quoting online in advance
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,490 more every year to insure a Dodge Ram 3500
• Increasing policy deductibles could save up to $325 each year
• Drivers under the age of 20 are the costliest to insure, possibly costing $433 per month if comprehensive and collision insurance is included