Dodge Ram 3500 Insurance Rates

The average insurance rates for a Dodge Ram 3500 are $1,346 a year with full coverage. Comprehensive costs approximately $236, collision costs $314, and liability is $596. Buying just liability costs around $656 a year, with insurance for high-risk drivers costing around $2,894. Teen drivers cost the most to insure at $5,346 a year or more.

Average premium for full coverage: $1,346

Policy rates by type of insurance:

Prices are based on $500 deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for different Ram 3500 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than larger metro areas.

The price range example below illustrates how rural and urban location affects auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, instead of using price averages.

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

More Rate Information

The chart below details estimated Dodge Ram 3500 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $811
• Raising to $1,000 deductibles will save $124 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,346
• Choosing more expensive low deductibles will increase the cost to $1,586
• At-risk drivers with multiple violations and an at-fault accident could pay around $2,894 or more
• Policy cost for full coverage for a teen driver with full coverage can cost $5,346

View Chart as Image

Insurance rates for a Dodge Ram 3500 also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $5,300 a year. View Rates by Age

Your home state 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 as much as $1,820 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can reduce rates by up to $370 every year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $645 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 41% to 133% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to compare rates and see which company has the best rate. Every auto insurance company uses a different rate calculation, so the rates will be varied 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 cheaper rates on car insurance consists of not taking risks behind the wheel, maintaining good credit, not filing small claims, and maximizing policy discounts. Set aside time to shop around once a year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

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

• You may be able to save around $150 per year simply by shopping early and online
• Policyholders who purchase higher liability limits will pay about $660 every year to raise from a 30/60 limit to 250/500 limits
• Teens are expensive to insure, as much as $446 each month for full coverage
• Higher risk drivers with DUI or reckless driving convictions pay on average $1,550 more per year for Ram 3500 insurance