Dodge Ram 3500 Insurance Rates

The average insurance prices for a Dodge Ram 3500 are $1,380 every 12 months with full coverage. Comprehensive costs approximately $242 a year, collision costs $346, and liability is estimated at $592. Liability-only coverage costs approximately $652 a year, with high-risk coverage costing around $2,970. Teens cost the most to insure at $5,454 a year or more.

Average premium for full coverage: $1,380

Policy rates by type of insurance:

Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and Ram 3500 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. Rural locations are shown to have more infrequent collision claims than cities with more traffic congestion.

The diagram below illustrates how your location can change auto insurance prices.

The examples above demonstrate why it is important to get quotes using their specific location and their own driving history, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $827
• Choosing higher $1,000 deductibles can save $1,246 annually
• The average price for a good driver age 40 who chooses $500 deductibles is $1,380
• Selecting low $100 deductibles for comp and collision coverage increases the price to $1,636
• Higher-risk drivers with serious driving violations could pay around $2,970 or more
• Policy cost to insure a 16-year-old driver can cost $5,454 each year

View Chart as Image

Insurance rates for a Dodge Ram 3500 also range considerably based on liability limits and deductibles, your driving record, and the model of your Ram 3500.

Choosing higher comprehensive and collision insurance deductibles can save as much as $390 annually, while buying higher liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $639 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $5,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $1,600 to $2,300 additional every year, depending on your age. A high-risk auto insurance policy ranges from 42% to 129% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Dodge Ram 3500 insurance prices. A good driver about age 40 could pay as low as $990 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,860 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes from multiple companies. Each auto insurer calculates rates differently, and rates will be varied.

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 the Best Dodge Ram 3500 Insurance

Finding cheaper rates on insurance for a Dodge Ram 3500 takes avoiding accidents and violations, having above-average credit, not filing small claims, and qualifying for all possible discounts. Invest the time to shop around every time your policy renews by getting quotes from direct companies, and also from insurance agencies where you live.

The list below is a brief recap of the information illustrated above.

• You may be able to save around $160 per year simply by quoting early and online
• Teenagers are the costliest to insure, as much as $455 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save as much as $400 each year
• Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,590 more per year for car insurance
• Insureds who purchase higher liability limits will pay approximately $650 every year to raise limits from a 30/60 limit to a 250/500 level