Dodge Ram 3500 Insurance Rates

Estimated insurance rates for a Dodge Ram 3500 are $1,346 a year for full coverage. Comprehensive insurance costs on average $236 each year, collision costs $314, and liability costs $596. A liability-only policy costs as little as $656 a year, with high-risk insurance costing $2,894 or more. Teen drivers pay the most at $5,346 a year or more.

Average premium for full coverage: $1,346

Premium estimates by type of coverage:

Prices are based on $500 deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and Ram 3500 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than larger metro areas.

The graphic below illustrates how geographic area affects car insurance rates.

These rate differences show why all drivers should compare rates based on a specific location, instead of using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $811
• Drivers who choose higher $1,000 deductibles will pay around $124 a year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,346
• Choosing low deductibles for comprehensive and collision insurance will cost an additional $240 every year
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,894 or more
• An auto insurance policy that insures a teen driver may cost $5,346 a year

View Chart as Image

Auto insurance prices for a Dodge Ram 3500 also have a wide range based on the trim level and model year, how you drive, and policy deductibles and limits.

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

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay upwards of $5,300 a year. View Rates by Age

Where you choose to live makes a big difference in Dodge Ram 3500 insurance prices. A 40-year-old driver could pay as low as $890 a year in states like Idaho, Maine, and Iowa, or as much as $1,920 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could save up to $370 every year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $645 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know exactly what you will pay is to do a rate comparison and see which company has the best price. Every company uses a different rate calculation, and quoted prices 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 Find Affordable Dodge Ram 3500 Insurance

Finding better rates on car insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, not filing small claims, and taking advantage of discounts. Shop around at every policy renewal by requesting rates from direct carriers, and also from local exclusive and independent agents.

The following is a brief review of the data presented in the illustrations above.

• Policyholders who require higher liability limits will pay about $660 each year to go from 30/60 bodily injury limits to the 250/500 level
• Drivers can save as much as $150 per year simply by quoting online in advance
• Increasing policy deductibles can save approximately $375 each year
• Teens are charged the highest prices, as much as $446 per month if the policy includes full coverage