Dodge Ram 3500 Insurance Rates

Average insurance prices for a Dodge Ram 3500 are $1,346 every 12 months for full coverage insurance. Comprehensive costs an estimated $236, collision costs $314, and liability coverage costs around $596. A policy with just liability insurance costs as low as $656 a year, with coverage for high-risk drivers costing around $2,894. 16-year-old drivers receive the highest rates at $5,346 a year or more.

Average premium for full coverage: $1,346

Rate estimates broken down by individual coverage type:

Prices are based on $500 physical damage deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and for different Ram 3500 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of insurance. More rural locations tend to have more infrequent physical damage claims than congested cities.

The price range example below illustrates how where you live affects insurance prices.

These examples illustrate why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, rather than using rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $811
• Using higher $1,000 deductibles will save approximately $124 each year
• The average price for a 40-year-old driver who has $500 deductibles is $1,346
• Buying more expensive low deductibles for physical damage coverage increases the price to $1,586
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,894 or more
• The cost to insure a teenage driver with full coverage can cost as much as $5,346 or more

View Chart as Image

Insurance rates for a Dodge Ram 3500 can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.

Opting for high physical damage deductibles could cut rates by as much as $370 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $645 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may only pay around $1,300 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay at least $5,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying $1,600 to $2,200 additional per year, depending on your age. High-risk driver insurance can be around 41% to 133% more than the average rate. View High Risk Driver Rates

Where you live has a huge impact on Dodge Ram 3500 insurance rates. A driver around age 40 might see rates as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,820 on average in Florida, New York, and Michigan.

View Chart as Image

With so much variability in rates, the only way to figure out which company is cheapest is to compare rates and see how they stack up. Each insurance company utilizes a different rate formula, and 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 Affordable Dodge Ram 3500 Insurance

Saving money on auto insurance requires being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop at every policy renewal by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below is a brief review of the data touched on in the above illustrations.

• Consumers who want higher levels of liability will pay around $660 annually to increase from a minimum limit to a 250/500 level
• It is possible to save approximately $150 per year simply by shopping early and online
• Increasing deductibles could save as much as $375 each year
• Teenage drivers are expensive to insure, costing up to $446 per month if full coverage is included