Dodge Ram 3500 Insurance Rates

Estimated insurance rates for a Dodge Ram 3500 are $1,380 a year including full coverage. Comprehensive costs an estimated $242 each year, collision insurance costs $346, and liability insurance is estimated at $592. Liability-only insurance costs approximately $652 a year, and high-risk driver insurance costs around $2,970. Teenage drivers pay the most at up to $5,454 a year.

Average premium for full coverage: $1,380

Premium estimates broken down by type of coverage:

Rates are based on $500 deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Ram 3500 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on the price of auto insurance. More rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities. The graphic below illustrates the effect of geographic area on insurance prices.

These rate differences highlight why all drivers should get quotes for a targeted area and risk profile, rather than relying on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $827
• Choosing higher $1,000 deductibles can save approximately $134 every year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,380
• Using low deductibles for comp and collision coverage will increase the cost to $1,636
• High-risk insureds who are prone to accidents and violations could pay up to $2,970
• An auto insurance policy for full coverage for a teen driver can cost as much as $5,454 each year

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Insurance prices for a Dodge Ram 3500 also have a wide range based on your driving characteristics, the model of your Ram 3500, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay at least $5,400 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Dodge Ram 3500 insurance rates. A good driver about age 40 could pay as low as $1,060 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,970 on average in Louisiana, New York, and Michigan.

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Using high physical damage deductibles can save as much as $390 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost up to $639 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying $1,600 to $2,300 additional annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 42% to 129% more than a normal policy. 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 Best Cheap Dodge Ram 3500 Insurance

Finding better rates on Dodge Ram 3500 insurance takes not taking risks behind the wheel, having a good credit history, refrain from filing small claims, and possibly raising deductibles. Take the time to compare rates at least every other year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a quick review of the car insurance concepts covered in the above illustrations.

• High-risk drivers with a DUI or reckless driving violation may pay on average $1,590 more annually for Ram 3500 insurance
• You may be able to save approximately $160 per year just by quoting online in advance
• Increasing policy deductibles can save around $400 each year
• Drivers who want higher liability limits will pay an extra $650 per year to raise limits from 30/60 bodily injury limits to 250/500 limits