Dodge Ram 3500 Insurance Rates

Average insurance rates for a Dodge Ram 3500 are $1,346 a year with full coverage. Comprehensive insurance costs an estimated $236 each year, collision insurance costs $314, and liability is $596. A policy with just liability insurance costs around $656 a year, and coverage for high-risk drivers costs $2,894 or more. Teenage drivers receive the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,346

Rate estimates broken down by individual coverage type:

Price estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and Ram 3500 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. More rural locations tend to have lower incidents of collision claims than densely populated cities. The graphic below illustrates how your location can change insurance prices.

These examples demonstrate why all drivers should compare rates quotes for a targeted area, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $811
• Raising to $1,000 deductibles will save approximately $124 annually
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,346
• Using low deductibles will cost an additional $240 every year
• At-risk drivers who are prone to accidents and violations could pay up to $2,894
• The cost that insures a teen driver can cost as much as $5,346

View Chart as Image

Insurance rates for a Dodge Ram 3500 can also vary considerably based on the trim level and model year, your age and driving habits, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you may be forking out $1,600 to $2,200 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 41% to 133% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $5,300 a year. View Rates by Age

Where you live also has a big influence on Dodge Ram 3500 insurance prices. A middle-age driver might find rates as low as $970 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,820 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $370 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $645 more each year. View Rates by Deductible or Liability Limit

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 Cheaper Dodge Ram 3500 Insurance

Saving money on car insurance consists of having a decent driving record, having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Compare prices at every other renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following items are a condensed summary of the concepts that were illustrated above.

• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,550 more annually than a driver with a clean driving record
• 16 to 18-year-old drivers are expensive to insure, with premiums as much as $446 per month if comprehensive and collision insurance is included
• You may be able to save approximately $150 per year just by quoting online in advance
• Increasing deductibles can save approximately $375 each year
• You may be able to save approximately $150 per year just by quoting online in advance