Dodge Ram 3500 Insurance Rates

Estimated insurance rates for a Dodge Ram 3500 are $1,380 a year for full coverage. Comprehensive costs an estimated $242 a year, collision costs $346, and liability insurance is $592. A liability-only policy costs around $652 a year, with high-risk insurance costing around $2,970. Teen drivers pay the most at $5,454 a year or more.

Average premium for full coverage: $1,380

Premium estimates broken down by type of coverage:

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

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates how rural and urban location affects insurance prices.

These rate differences show why it is important to compare rates quotes for a targeted area and risk profile, rather than relying on price averages.

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

More Rate Details

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

• The lowest rate with discounts is $827
• Raising to $1,000 deductibles will save approximately $1,246 a year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,380
• Choosing low $100 deductibles will increase the cost to $1,636
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,970 or more
• An auto insurance policy for full coverage for a teen driver can cost as much as $5,454

View Chart as Image

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

Older drivers with a good driving record and high deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay at least $5,400 a year. View Rates by Age

Where you choose to live also has a big influence on Dodge Ram 3500 insurance rates. A middle-age driver might find prices as low as $910 a year in states like Iowa, Maine, and Idaho, or as much as $1,970 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles can reduce prices by up to $390 each year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $639 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying $1,600 to $2,300 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 129% more than average. View High Risk Driver Rates

With such a large range in prices, the only way to know which insurance company is cheapest is to get quotes from as many companies as possible. Every auto insurance company uses a different rate calculation, and quoted prices will be substantially different from one company to the next.

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 Dodge Ram 3500 insurance consists of being a good driver, having good credit, not filing small claims, and qualifying for all possible discounts. Set aside time to shop around once a year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following list is a brief review of the data that was raised in the charts and tables above.

• Drivers can save approximately $160 per year simply by quoting early and online
• Drivers who want an increased level of liability coverage will pay about $650 each year to raise from 30/60 bodily injury limits to 250/500 limits
• Drivers age 16 to 20 are the costliest to insure, as much as $455 per month if they have full coverage
• High-risk drivers with DUI or reckless driving convictions pay an average of $1,590 more annually than a safer driver