Dodge Ram 3500 Insurance Rates

Estimated insurance prices for a Dodge Ram 3500 are $1,346 every 12 months including full coverage. Comprehensive costs on average $236 each year, collision costs $314, and liability costs around $596. A policy with only liability insurance costs as low as $656 a year, with a high-risk policy costing around $2,894. Teens pay the most at $5,346 a year or more.

Average premium for full coverage: $1,346

Premium estimates by type of coverage:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM 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

Where you live can have significant affects on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

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

These rate differences highlight why all drivers should compare prices based on a specific location and their own driving history, instead of using averaged prices.

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

Rate Comparisons

The chart below breaks down estimated Dodge Ram 3500 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $811
• Using higher $1,000 deductibles will save around $124 every year
• The average price for a 40-year-old good driver with $500 deductibles is $1,346
• Selecting low deductibles for physical damage coverage increases the price to $1,586
• Drivers with serious driving violations could pay upwards of $2,894 or more
• An auto insurance policy to insure a teen driver may cost $5,346 or more

View Chart as Image

Car insurance prices for a Dodge Ram 3500 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your Ram 3500.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $370 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $645 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged upwards of $5,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,600 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers can be as much as 41% to 133% more than the average policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Dodge Ram 3500 insurance prices. A driver around age 40 might see prices as low as $1,030 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,920 on average in Michigan, New York, and Louisiana.

View Chart as Image

With such a large range in prices, the best way to figure out exactly what you will pay is to do a rate comparison and see which company has the best price. Each insurance company calculates prices differently, so rate quotes will be substantially 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 Best Dodge Ram 3500 Insurance

Finding better rates on car insurance requires avoiding accidents and violations, maintaining a good credit score, refrain from filing small claims, and maximizing policy discounts. Take the time to compare rates at every other renewal by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The list below is a brief recap of the concepts that were covered in the above illustrations.

• Higher risk drivers who tend to receive serious violations may pay on average $1,550 more each year for car insurance
• Teenagers are expensive to insure, with the cost nearing $446 per month if the policy includes full coverage
• You may be able to save as much as $150 per year simply by quoting online in advance
• Increasing policy deductibles could save as much as $375 each year
• You may be able to save as much as $150 per year simply by quoting online in advance