Best Dodge Ram 3500 Car Insurance in 2024 (Top 10 Companies Ranked)
The best Dodge Ram 3500 car insurance comes from Progressive, Geico, and State Farm, with attractive rates at $70/month. These top providers excel in flexible coverage, affordable premiums, and top-notch customer service, making them the top choices for insuring your Dodge Ram 3500.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
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UPDATED: Oct 22, 2024
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UPDATED: Oct 22, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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13,128 reviewsCompany Facts
Full Coverage for Dodge Ram 3500
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
19,116 reviewsCompany Facts
Full Coverage for Dodge Ram 3500
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
17,759 reviewsCompany Facts
Full Coverage for Dodge Ram 3500
A.M. Best Rating
Complaint Level
Pros & Cons
17,759 reviewsThe best Dodge Ram 3500 car insurance comes form Progressive, Geico, and State Farm, with rates starting as low as $70/month. For more details, check our guide, “Compare Monthly Car Insurance: Rates, Discounts, & Requirements.”
These companies stand out for their affordable premiums, flexible coverage options and excel in providing comprehensive protection while ensuring excellent customer service.
Our Top 10 Company Picks: Best Dodge Ram 3500 Car Insurance
| Company | Rank | Safe Driving Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 12% | A+ | Flexible Coverage | Progressive |
 | #2 | 22% | A++ | Affordable Premiums | Geico |
 | #3 | 15% | B | Customer Service | State Farm |
 | #4 | 30% | A++ | Military Family | USAA |
 | #5 | 10% | A+ | Drivewise Program | Allstate |
 | #6 | 15% | A | Extensive Discount | Liberty Mutual |
 | #7 | 10% | A+ | Customizable Policies | Farmers |
 | #8 | 10% | A+ | Vanishing Deductible | Nationwide |
 | #9 | 8% | A++ | IntelliDrive Program | Travelers |
 | #10 | 12% | A+ | Financial Stability | Amica |
Compare quotes to find the best coverage for your Dodge Ram 3500, balancing comprehensive protection with affordability to ensure maximum value and savings on insurance costs.
Protect your vehicle from whatever the road throws at it by entering your ZIP code into our free comparison tool above to see affordable car insurance quotes.
- Progressive offers top Dodge Ram 3500 insurance with rates from $70/month
- Compare quotes to find comprehensive coverage and save on insurance costs
- Companies provide flexible coverage options and competitive premiums
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#1 – Progressive: Top Overall Pick
Pros
- Tailored Coverage Options: Progressive offers a range of customizable coverage options for the Dodge Ram 3500, allowing you to adapt your policy based on specific driving needs.
- Flexible Deductibles: You can adjust deductible amounts to find the right balance of risk and cost for your Dodge Ram 3500, offering financial flexibility. For a complete list, read our Progressive review.
- Advanced Usage-Based Discounts: Progressive’s usage-based insurance programs can lead to savings based on your driving habits, potentially lowering costs for your Dodge Ram 3500.
Cons
- Potentially Limited Personal Interaction: Progressive’s focus on digital management might limit personal interaction with agents, which can affect detailed assistance for your Dodge Ram 3500.
- Complex Policy Add-Ons: The wide array of add-ons and options might be overwhelming, making it harder to understand the best coverage for your Dodge Ram 3500.
#2 – Geico: Best for Affordable Premiums
Pros
- Cost-Effective Premiums: Geico offers some of the most budget-friendly premiums for the Dodge Ram 3500, helping you save on insurance costs.
- Easy Online Management: Geico’s robust online tools make managing your Dodge Ram 3500 policy straightforward and accessible, which you can learn about in our Geico review.
- Proactive Discount Opportunities: Geico frequently updates its discount offerings, which can benefit you with reduced rates for insuring your Dodge Ram 3500.
Cons
- Standard Coverage Options: Geico may provide fewer specialized coverage options for the Dodge Ram 3500 compared to some competitors.
- Customer Service Limitations: Customer support might be less personalized, affecting the resolution of specific issues related to your Dodge Ram 3500.
#3 – State Farm: Best for Customer Service
Pros
- Highly Responsive Local Agents: State Farm’s network of local agents offers personalized advice and assistance for insuring your Dodge Ram 3500. Read more in our review of State Farm.
- Strong Claims Support: Known for effective claims handling, State Farm ensures a smooth process for any issues related to your Dodge Ram 3500.
- Comprehensive Policy Features: State Farm provides extensive policy features designed to offer robust protection for your Dodge Ram 3500.
Cons
- Complex Policy Options: The range of policy options might be overwhelming for some Dodge Ram 3500 drivers, making it challenging to choose the right coverage without proper guidance.
- Inconsistent Service Across Regions: While State Farm aims to provide excellent service, the quality can vary by location, which might affect Dodge Ram 3500 owners depending on their region.
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#4 – USAA: Best for Military Family
Pros
- Exclusive Military Benefits: USAA provides specialized insurance benefits and discounts for military families, which can be advantageous for insuring your Dodge Ram 3500.
- Easy Claims Process: The claims process for a Dodge Ram 3500 is streamlined and efficient with USAA, making it easier for military families to manage.
- Generous Coverage Options: USAA offers comprehensive coverage tailored to the needs of military families with a Dodge Ram 3500, which is covered in our USAA review.
Cons
- Availability: USAA’s services are not available in all states, which might affect some Dodge Ram 3500 owners’ access to their policies.
- Online-First Approach: The reliance on digital platforms for service might reduce the availability of local agent support for your Dodge Ram 3500.
#5 – Allstate: Best for Drivewise Program
Pros
- Dodge Ram 3500 Discounts: The Drivewise program offers significant discounts on your Dodge Ram 3500 insurance premium if you demonstrate safe driving habits.
- Comprehensive Coverage Choices: Allstate provides a diverse range of coverage options to fit the unique needs of your Dodge Ram 3500. Learn more in our Allstate review.
- Bundling Benefits: Discounts for bundling multiple policies can lower overall insurance costs, making it easier to cover your Dodge Ram 3500 and other assets.
Cons
- Potential for Higher Premiums: The cost of insuring your Dodge Ram 3500 with Allstate might be higher compared to some other insurers.
- Mixed Reviews on Claims Handling: Customer feedback on claims processing may be inconsistent, affecting your experience with the Dodge Ram 3500.
#6 – Liberty Mutual: Best for Extensive Discount
Pros
- Extensive Discount Opportunities: Liberty Mutual offers a wide array of discounts, which can help reduce premiums for your Dodge Ram 3500.
- Flexible Policy Options: Customizable policies allow you to tailor coverage to the specific needs of your Dodge Ram 3500.
- New Vehicle Discounts: Savings for new vehicles can be beneficial if you have a recent model Dodge Ram 3500, which you can check out in our Liberty Mutual review.
Cons
- Discount Complexity: The multitude of discount options can be confusing and difficult to navigate for the Dodge Ram 3500.
- Possibly Higher Rates for Certain Drivers: Rates for high-risk drivers might be less competitive compared to other insurers for your Dodge Ram 3500.
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#7 – Farmers: Best for Customizable Policies
Pros
- Bundling Discounts: Farmers provides discounts for bundling your Dodge Ram 3500 insurance with other types of insurance, like home or life insurance, which can lead to significant savings.
- Broad Coverage Variety: The wide range of coverage types offered can protect different aspects of your Dodge Ram 3500 comprehensively.
- Safety and Discount Programs: Farmers offers programs that reward safe driving, potentially reducing your premiums for the Dodge Ram 3500. Find out more in our Farmers review.
Cons
- Potential for Upselling: Farmers’ focus on customization might lead to upselling additional features that may not be necessary for all Dodge Ram 3500 owners.
- Availability of Discounts May Vary: Some discounts for your Dodge Ram 3500 insurance may not be available in all areas or for all drivers, which can limit your potential savings.
#8 – Nationwide: Best for Vanishing Deductible
Pros
- Vanishing Deductible Benefit: Nationwide’s vanishing deductible program gradually reduces your deductible amount, providing long-term savings for your Dodge Ram 3500.
- Diverse Coverage Options: Nationwide offers a variety of coverage options to meet the needs of your Dodge Ram 3500, which you can read more about in our review of Allstate vs. Nationwide.
- Flexible Payment Solutions: The availability of flexible payment plans can ease financial management for insuring your Dodge Ram 3500.
Cons
- Claims Process Can Be Lengthy: Some Dodge Ram 3500 owners report that the claims process with Nationwide can be slower compared to other providers.
- Limited Coverage for Non-Standard Features: Specialized features of the Dodge Ram 3500 may not be fully covered under standard policies, potentially requiring additional coverage options.
#9 – Travelers: Best for IntelliDrive Program
Pros
- Rewarding IntelliDrive Program: Travelers’ IntelliDrive program can lower premiums based on your driving behavior, benefiting you if you drive your Dodge Ram 3500 responsibly.
- Customizable Coverage Options: Travelers provides extensive options to tailor your coverage for the Dodge Ram 3500.
- Competitive Pricing: Travelers offers competitive rates for insuring the Dodge Ram 3500, potentially saving you money. Discover our Travelers review for a full list.
Cons
- Inconsistent Customer Service: Experiences with Travelers’ customer service can vary, affecting how you handle issues related to your Dodge Ram 3500.
- Limited Discounts Compared to Peers: Travelers might offer fewer discounts for the Dodge Ram 3500 compared to other insurers.
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#10 – Amica: Best for Financial Stability
Pros
- Strong Financial Ratings: Amica’s solid financial standing ensures reliable coverage for your Dodge Ram 3500. Read our Amica vs. Nationwide review to learn what else is offered.
- Exceptional Customer Service: Amica is known for delivering high-quality customer support, enhancing your experience with the Dodge Ram 3500 insurance.
- Flexible Coverage Options: Amica provides a variety of coverage options to customize protection for your Dodge Ram 3500.
Cons
- Premiums Might Be Higher: Amica’s insurance rates for the Dodge Ram 3500 may be higher compared to some other insurers.
- Fewer Discount Opportunities: Amica may offer fewer opportunities for discounts, potentially limiting savings on your Dodge Ram 3500 insurance.
Monthly Car Insurance Rates & Discounts for Dodge Ram 3500
When insuring your Dodge Ram 3500, knowing the monthly rates and available discounts can guide your decision. Here’s a snapshot of rates and discounts from top providers to help you find the best value. For more details, check out our resource, “Factors That Affect Car Insurance Rates.”
Dodge Ram 3500 Car Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $76 | $160 |
| Amica | $72 | $155 |
| Farmers | $77 | $162 |
| Geico | $73 | $155 |
| Liberty Mutual | $80 | $170 |
| Nationwide | $75 | $160 |
| Progressive | $75 | $160 |
| State Farm | $78 | $165 |
| Travelers | $74 | $158 |
| USAA | $70 | $150 |
Monthly insurance rates for a Dodge Ram 3500 range from $70 to $80 for minimum coverage and $150 to $170 for full coverage. USAA offers the lowest rates, while Liberty Mutual is the highest.
Find top discounts for your Dodge Ram 3500 from providers like Allstate, Amica, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, Travelers, and USAA. Look for savings on safe driving, new vehicles, bundling, and more to get the best deal.
Compare monthly rates and discounts to find the best insurance plan for your Dodge Ram 3500. Review your options to balance coverage and cost effectively.
Dodge Ram 3500 Insurance Cost
Understanding the monthly insurance rates for your Dodge Ram 3500 can help you choose the right coverage for your needs. Rates vary based on coverage type, ranging from average costs to higher premiums for high-risk or teen drivers. Here’s a snapshot of what you can expect for different coverage levels. For more information, see our resource “What is High-Risk Car Insurance?”
Dodge Ram 3500 Car Insurance Monthly Rates by Driver Profile
| Category | Rates |
|---|---|
| Average Rate | $121 |
| Discount Rate | $71 |
| High Deductibles | $104 |
| High Risk Driver | $257 |
| Low Deductibles | $152 |
| Teen Driver | $441 |
Monthly rates for Dodge Ram 3500 insurance vary by coverage type: Average rates are $121, with discounts bringing costs down to $71. High deductibles cost $104, while low deductibles are $152. High-risk drivers pay $257, and teen drivers face higher premiums at $441.
By reviewing these monthly rates, you can better assess the cost of insurance for your Dodge Ram 3500 and make an informed decision. Whether you’re seeking discounts or need coverage for a high-risk situation, use this information to find a plan that fits your budget and requirements.
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The High Cost of Insuring a Dodge Ram 3500
When choosing insurance for your Dodge Ram 3500, it’s helpful to compare its rates with those of similar vehicles. This overview contrasts monthly insurance costs for comprehensive, collision, minimum, and full coverage across various models, offering insight into how the Dodge Ram 3500 stacks up against competitors.
Dodge Ram 3500 Car Insurance Monthly Rates vs. Other Cars by Coverage Type
| Vehicle | Comprehensive | Collision | Liability | Full Coverage |
|---|---|---|---|---|
| Dodge Ram 3500 | $27 | $39 | $31 | $110 |
| Honda Ridgeline | $26 | $45 | $38 | $123 |
| Chevrolet Silverado 2500HD | $30 | $57 | $35 | $138 |
| Nissan Frontier | $25 | $42 | $35 | $116 |
| Chevrolet Silverado 3500HD | $34 | $55 | $35 | $138 |
| GMC Sierra | $28 | $50 | $31 | $122 |
Compare Dodge Ram 3500 insurance monthly rates across different coverage types with other vehicles. Rates for comprehensive and collision coverage, as well as minimum and full coverage, vary among popular models like the Ford F-150, Honda Ridgeline, Chevrolet Silverado 2500HD, Nissan Frontier, Chevrolet Silverado 3500HD, and GMC Sierra.
Progressive delivers top-tier coverage for the Dodge Ram 3500, thanks to its competitive rates and exceptional service.
Brandon Frady Licensed Insurance Agent
By examining these comparisons, you can gain a clearer understanding of how the insurance costs for the Dodge Ram 3500 relate to other vehicles. Use this information to make an informed decision and find the best coverage option for your needs and budget. Check out our ranking of the top providers: Best Full Coverage Car Insurance
Factors That Impact the Cost of Dodge Ram 3500 Insurance
The cost of insuring a Dodge Ram 3500 is influenced by various factors, including the vehicle’s trim and model, safety features, repair costs, and your driving history. Additional considerations like location, coverage limits, and deductible amounts also play a role in determining your insurance premium. To learn more, check out our resource on insurance titled “Car Insurance Deductible: Explained Simply.”
Evaluating the Age of Your Vehicle
Explore how monthly insurance rates for the Dodge Ram 3500 vary by coverage type. This overview provides a breakdown of comprehensive, collision, minimum, and full coverage costs, highlighting how premiums can differ based on the type of coverage you choose.
Dodge Ram 3500 Car Insurance Monthly Rates by Model Year and Coverage Type
| Vehicle | Comprehensive | Collision | Liability | Full Coverage |
|---|---|---|---|---|
| 2024 Dodge Ram 3500 | $25 | $38 | $50 | $125 |
| 2023 Dodge Ram 3500 | $25 | $37 | $50 | $124 |
| 2022 Dodge Ram 3500 | $24 | $37 | $49 | $123 |
| 2021 Dodge Ram 3500 | $24 | $36 | $49 | $123 |
| 2020 Dodge Ram 3500 | $23 | $36 | $48 | $122 |
| 2019 Dodge Ram 3500 | $23 | $35 | $48 | $121 |
| 2018 Dodge Ram 3500 | $23 | $35 | $48 | $121 |
| 2017 Dodge Ram 3500 | $22 | $35 | $47 | $120 |
| 2016 Dodge Ram 3500 | $22 | $34 | $47 | $120 |
| 2015 Dodge Ram 3500 | $22 | $34 | $46 | $120 |
| 2014 Dodge Ram 3500 | $21 | $33 | $46 | $119 |
| 2013 Dodge Ram 3500 | $21 | $33 | $45 | $119 |
| 2012 Dodge Ram 3500 | $20 | $33 | $45 | $118 |
| 2011 Dodge Ram 3500 | $20 | $32 | $45 | $118 |
| 2010 Dodge Ram 3500 | $22 | $33 | $48 | $121 |
Understanding these rates can help you make an informed decision about your Dodge Ram 3500 insurance. Compare coverage options to find the best balance of cost and protection for your needs. For more information, dive into our detailed insurance guide, “How do you get competitive quotes for car insurance?”
The Impact of Driver Age on Road Safety
Discover how monthly insurance rates for the Dodge Ram 3500 change based on driver age. This overview shows how premiums decrease from $610 for 16-year-olds to $108 for drivers aged 60 and older, reflecting the impact of age on insurance costs.
Dodge Ram 3500 Car Insurance Monthly Rates by Age
| Age | Rates |
|---|---|
| Age: 16 | $610 |
| Age: 18 | $441 |
| Age: 20 | $274 |
| Age: 30 | $126 |
| Age: 40 | $121 |
| Age: 45 | $115 |
| Age: 50 | $110 |
| Age: 60 | $108 |
Monthly insurance rates for the Dodge Ram 3500 decrease with age, starting at $610 for 16-year-olds and dropping to $108 for those 60 and older. Knowing how age impacts premiums can help you manage costs and choose the best insurance plan. For more details, see our report “Does the age of a car affect car insurance rates?”
Current Driver Location
Insurance rates for the Dodge Ram 3500 can differ significantly depending on your location. This overview compares monthly rates across various cities, highlighting how costs vary from as low as $100 in Columbus, OH, to $206 in Los Angeles, CA.
Dodge Ram 3500 Car Insurance Monthly Rates by City
| City | Rates |
|---|---|
| Los Angeles, CA | $206 |
| New York, NY | $191 |
| Houston, TX | $189 |
| Jacksonville, FL | $175 |
| Philadelphia, PA | $162 |
| Chicago, IL | $159 |
| Phoenix, AZ | $140 |
| Seattle, WA | $117 |
| Indianapolis, IN | $103 |
| Columbus, OH | $100 |
Monthly insurance rates for the Dodge Ram 3500 range from $100 in Columbus, OH, to $206 in Los Angeles, CA. Rates vary by city due to local market and risk factors, helping you estimate costs and find the best options for your location. See our list of the top providers: Best Car Insurance for High-Risk Drivers
Overview of Your Driving History
Your driving record can have an impact on the cost of Dodge Ram 3500 car insurance. Teens and drivers in their 20’s see the highest jump in their Dodge Ram 3500 auto insurance rates with violations on their driving record. For more details, see our comprehensive report titled “Compare Teen Driver Car Insurance Rates.”
Dodge Ram 3500 Car Insurance Monthly Rates by Age & Driving Record
| Age | Clean Record | One Accident | One DUI | One Ticket |
|---|---|---|---|---|
| Age: 16 | $610 | $800 | $1,100 | $770 |
| Age: 18 | $441 | $660 | $880 | $550 |
| Age: 20 | $274 | $430 | $640 | $380 |
| Age: 30 | $126 | $190 | $320 | $180 |
| Age: 40 | $121 | $180 | $310 | $170 |
| Age: 45 | $115 | $175 | $300 | $165 |
| Age: 50 | $110 | $170 | $290 | $160 |
| Age: 60 | $108 | $165 | $280 | $155 |
Monthly insurance rates for the Dodge Ram 3500 vary by age and driving history. Younger drivers with incidents like accidents, DUIs, or tickets face higher premiums, while older drivers with clean records benefit from lower rates.
The cost decreases with age and good driving history, reflecting the impact of both age and driving behavior on insurance costs.
Exploring the Advanced Safety Features of the Dodge Ram 3500
Enhancing your Dodge Ram 3500 with advanced safety features not only boosts protection but can also lead to insurance discounts. Key safety features available for the Ram 3500 include automated emergency braking with forward-collision warning, blind-spot monitoring with rear cross-traffic assist, and adaptive cruise control.
- Automated Emergency Braking with Forward-Collision Warning
- Blind-Spot Monitoring with Rear Cross-Traffic Assist
- Adaptive Cruise Control
- Lane Departure Warning
- Automatic High Beams
By equipping your Dodge Ram 3500 with these advanced safety features, you can enjoy both improved safety and potential insurance savings.
Consider these options to enhance your vehicle’s protection and reduce your insurance costs. For a complete understanding, see our detailed analysis titled “Safety Features Car Insurance Discounts.”
The Finance and Insurance Costs of the Dodge Ram 3500
The cost of financing and insuring a Dodge Ram 3500 includes considerations for loan terms, interest rates, and insurance premiums. Factors like the vehicle’s model year, trim, and safety features impact both financing rates and insurance costs, influencing your overall monthly expenses. To enhance your understanding, consult our detailed handbook, “Why is my car insurance so expensive?”
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Maximize Your Savings: How to Cut Costs on Dodge Ram 3500 Insurance
Reducing your insurance costs for the Dodge Ram 3500 can be achieved through several effective strategies. Consider these five tips to potentially lower your premiums and save money:
- Improve Your Credit Score: Work on increasing your credit rating to potentially lower insurance premiums and secure better rates.
- Get Dodge Ram 3500 Insurance Through Costco: Purchase insurance for your Dodge Ram 3500 vehicle via Costco to take advantage of their member benefits and potential savings.
- Opt for Paperless Billing: Opt for electronic billing to simplify payments and possibly receive discounts.
- Welcome Discounts: Inquire if there are any special discounts available for new policyholders.
- Farm and Ranch Vehicle Discounts: Check if there are discounts available for vehicles used on farms or ranches.
By implementing these strategies, you can make your Dodge Ram 3500 insurance more affordable while maintaining the coverage you need. Explore these options to maximize your savings and get the best value for your insurance. For deep insights, check out our detailed guide, “How can I find affordable car insurance rates?”
Premium Insurance Picks for Your Dodge Ram 3500
Discover how major insurance providers rank in market share for the Dodge Ram 3500. This overview highlights the leading companies, including State Farm, Geico, and Progressive, and provides a glimpse into the distribution of market share among other notable insurers.
Top Dodge Ram 3500 Insurance Providers by Market Share
| Rank | Insurance Company | Premiums Written | Market Share |
|---|---|---|---|
| #1 | State Farm | $66,153,063 | 9% |
| #2 | Geico | $46,358,896 | 6% |
| #3 | Progressive | $41,737,283 | 6% |
| #4 | Allstate | $39,210,020 | 5% |
| #5 | Liberty Mutual | $36,172,570 | 5% |
| #6 | Travelers | $28,786,741 | 4% |
| #7 | USAA | $24,621,246 | 3% |
| #8 | Chubb | $24,199,582 | 3% |
| #9 | Farmers | $20,083,339 | 3% |
| #10 | Nationwide | $18,499,967 | 3% |
The leading insurance providers for Dodge Ram 3500, ranked by market share, include State Farm, Geico, and Progressive. State Farm holds the largest share with 9%, followed by Geico and Progressive at 6% each. Other notable providers include Allstate, Liberty Mutual, and Travelers, among others.
Progressive offers the best overall coverage for a Dodge Ram 3500, combining affordability with flexible options and excellent customer service.
Jeffrey Manola Licensed Insurance Agent
Understanding the market share of different insurance providers can help you choose the best option for your Dodge Ram 3500. With State Farm, Geico, and Progressive leading the pack, consider these and other key players to find the right coverage for your needs. For more insights, see our guide on insurance coverage, “Compare Car Insurance by Coverage Type.”
Discover Insurance Quotes for Your Dodge Ram 3500 Online
To find the best car insurance for your Dodge Ram 3500, consider top providers like Progressive, Geico, and State Farm, with rates starting around $70/month. Coverage options vary, with minimum coverage being cheaper and full coverage costing more.
Rates are influenced by factors such as driver age, location, and driving history. To save on insurance, look for discounts for safe driving, bundling policies, and advanced safety features. Take a look at our list of the best providers: Best Companies for Bundling Home and Car Insurance
Avoid overpaying for your car insurance by entering your ZIP code below in our free comparison tool to find which company has the lowest rates.
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Frequently Asked Questions
What factors influence the cost of insurance for a Dodge Ram 3500?
The cost of insurance for a Dodge Ram 3500 can be influenced by factors such as the vehicle’s age, trim level, safety features, driver’s age and driving record, location, coverage limits, and deductible amounts.
Which insurance companies offer the best rates for a Dodge Ram 3500?
The top insurance companies offering competitive rates for a Dodge Ram 3500 include Progressive, Geico, State Farm, USAA, and Allstate. Rates and coverage options can vary, so it’s beneficial to compare quotes from multiple providers.
No matter how much coverage you need, you can find the lowest rates by entering your ZIP code into our free comparison tool below.
What type of coverage is recommended for a Dodge Ram 3500?
For a Dodge Ram 3500, full coverage is generally recommended, especially if you want protection against a wide range of risks. Full coverage typically includes liability, collision, and comprehensive insurance.
For detailed information, refer to our comprehensive report titled “Compare Liability Car Insurance: Rates, Discounts, & Requirements.”
How can I lower my insurance premiums for a Dodge Ram 3500?
To lower your insurance premiums, consider comparing quotes from different companies, taking advantage of available discounts (e.g., safe driving, bundling policies), choosing higher deductibles, and equipping your vehicle with advanced safety features.
Does the age of my Dodge Ram 3500 affect my insurance rates?
Yes, the age of your Dodge Ram 3500 can affect your insurance rates. Newer models may cost more to insure due to higher repair costs, while older models might be less expensive to insure but may lack modern safety features.
Are there any discounts available for insuring a Dodge Ram 3500?
Yes, many insurance companies offer discounts for factors such as safe driving records, bundling multiple policies (e.g., home and auto), equipping your vehicle with safety features, and having a low annual mileage.
See our top-rated providers here: Best Low-Mileage Car Insurance
How does my driving record impact my insurance cost for a Dodge Ram 3500?
Your driving record significantly impacts your insurance cost. A clean driving record typically results in lower premiums, while violations such as speeding tickets or accidents can lead to higher rates.
What is the difference between minimum coverage and full coverage for a Dodge Ram 3500?
Minimum coverage typically includes liability insurance required by law, covering damages you cause to others. Full coverage includes liability plus collision and comprehensive insurance, which protects your vehicle from various types of damage and loss.
How does my location affect my insurance rates for a Dodge Ram 3500?
Insurance rates can vary based on your location due to factors such as local traffic conditions, crime rates, and weather patterns. Urban areas with higher traffic and theft rates generally have higher premiums compared to rural areas.
For a comprehensive analysis, refer to our detailed guide titled “How Traffic Infractions Affect Car Insurance.”
Can I get better rates if I have advanced safety features on my Dodge Ram 3500?
Yes, having advanced safety features like automated emergency braking, blind-spot monitoring, and adaptive cruise control can often qualify you for discounts, as these features can reduce the risk of accidents and claims.
Start comparing affordable insurance options by entering your ZIP code below into our free quote comparison tool today.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
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