Dodge Ram 3500 Insurance Rates

U.S. average insurance prices for a Dodge Ram 3500 are $1,346 every 12 months with full coverage. Comprehensive costs around $236 each year, collision insurance costs $314, and liability insurance is estimated at $596. A policy with just liability insurance costs approximately $656 a year, and coverage for high-risk drivers costs around $2,894. Teen drivers pay the highest rates at up to $5,346 a year.

Average premium for full coverage: $1,346

Price estimates for individual coverage:

Prices are based on $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and Ram 3500 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on insurance rates. Areas with sparse population have more infrequent collision claims than larger metro areas. The graphic below illustrates how geographic area affects auto insurance rates.

The ranges above demonstrate why all drivers should get quotes for a specific zip code and their own driving history, rather than relying on price averages.

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

Additional Rate Information

The chart below details average Dodge Ram 3500 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $811
• Choosing higher $1,000 deductibles can save about $124 annually
• The average price for the average middle-age driver using $500 deductibles is $1,346
• Choosing low deductibles for comp and collision coverage increases the price to $1,586
• High-risk insureds with multiple violations and an at-fault accident could pay at least $2,894
• The price to insure a teen driver can be $5,346 each year

View Chart as Image

Insurance prices for a Dodge Ram 3500 are also quite variable based on deductibles and policy limits, your driving record, and the trim level and model year.

Choosing high deductibles can save as much as $370 each year, whereas increasing liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $645 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles could pay as little as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay as much as $5,300 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you may be forking out at least $1,600 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 41% to 133% more than average. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Dodge Ram 3500 insurance rates. A good driver about age 40 could pay as low as $970 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,820 on average in Florida, Michigan, and New York.

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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 Affordable Dodge Ram 3500 Insurance

Getting lower rates on Dodge Ram 3500 insurance takes not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to compare rates at every other renewal by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a brief review of the concepts that were presented in the illustrations above.

• High-risk drivers with DUI or reckless driving convictions pay on average $1,550 more every year for Ram 3500 insurance
• Teens pay higher prices, costing up to $446 a month if they have full coverage
• You may be able to save up to $150 per year just by quoting online in advance
• Increasing physical damage deductibles could save as much as $375 each year
• You may be able to save up to $150 per year just by quoting online in advance