Cheap Dodge Ram 3500 Insurance in Detroit

Shockingly, most car insurance policyholders in Michigan have stayed with the same insurance company for more than four years, and almost half have never quoted car insurance rates at all. American insurance shoppers could save nearly $850 every year by just comparing rate quotes, but they don’t believe how much money they would save if they replace their high priced policy.

Insurance for Dodge Ram 3500The most effective way to find affordable auto insurance rates in Detroit is to regularly compare price quotes from companies in Michigan.

The most important part of this process is that you’ll want to compare the same physical damage deductibles and liability limits on each quote and and to get quotes from as many car insurance companies as possible. This provides an accurate price comparison and plenty of rates choose from.

Pricing affordable car insurance coverage in Detroit is not as hard as you think. If you have a policy now or just want cheaper coverage, you can use these tips to save money without reducing protection. Comparison shoppers only need to know the most time-saving way to get comparison rates online.

Compare quotes for Detroit Dodge Ram 3500 insurance

Getting a cheaper price on Dodge Ram 3500 insurance is an easy way to save money. The only requirement is to spend a few minutes comparing free Detroit auto insurance quotes provided by online insurance companies.

The companies shown below can provide quotes in Michigan. If you want to find the cheapest car insurance in Detroit, it’s highly recommended you compare several of them to get a more complete price comparison.

Buying the right Dodge vehicle insurance in Michigan is an important decision

Despite the fact that auto insurance is not cheap in Detroit, buying auto insurance is not optional due to several reasons.

First, almost all states have mandatory liability insurance requirements which means state laws require specific minimum amounts of liability protection if you don’t want to risk a ticket. In Michigan these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you have a loan on your Ram 3500, most banks will stipulate that you have comprehensive coverage to ensure the loan is repaid in case of a total loss. If you do not keep the policy in force, the lender will be forced to insure your Dodge at a significantly higher premium and force you to pay the higher price.

Third, insurance protects not only your vehicle but also your assets. It will also reimburse you for most medical and hospital costs for not only you but also any passengers injured in an accident. As part of your policy, liability insurance will also pay to defend you if anyone sues you for causing an accident. If your car is damaged in a storm or accident, comprehensive and collision coverage will pay to have it repaired.

The benefits of having insurance are without a doubt worth the cost, particularly when you have a large claim. Despite what companies tell you, the average driver is wasting up to $800 each year so we recommend shopping around each time the policy renews to ensure rates are competitive.

Rates and other information

The coverage table shown next showcases detailed analysis of coverage prices for Dodge Ram 3500 models. Having a better idea how auto insurance premiums are established is important to be able to make smart choices when purchasing an auto insurance policy.


Dodge Ram 3500 Insurance Rates in Detroit, MI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $412 $696 $932 $56 $280 $2,376 $198
Ram 3500 Crew Cab ST 2WD $508 $820 $932 $56 $280 $2,596 $216
Ram 3500 Crew Cab ST 4WD $508 $944 $1398 $82 $418 $3,350 $279
Ram 3500 Crew Cab SLT 2WD $508 $944 $932 $56 $280 $2,720 $227
Ram 3500 Mega Cab SLT 2WD $508 $944 $932 $56 $280 $2,720 $227
Ram 3500 Mega Cab SLT 4WD $508 $1068 $1398 $82 $418 $3,474 $290
Ram 3500 Crew Cab SLT 4WD $508 $1068 $1398 $82 $418 $3,474 $290
Ram 3500 Crew Cab Laramie 4WD $508 $1068 $1398 $82 $418 $3,474 $290
Ram 3500 Mega Cab Laramie 2WD $508 $944 $932 $56 $280 $2,720 $227
Ram 3500 Crew Cab Laramie 2WD $508 $944 $932 $56 $280 $2,720 $227
Ram 3500 Mega Cab Laramie 4WD $508 $1068 $1398 $82 $418 $3,474 $290
Get Your Own Custom Quote Go

Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Michigan minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, multi-policy, and homeowner. Rate quotes do not factor in specific garaging location which can increase or decrease insurance rates greatly.

Higher deductibles save money

The hardest decision when buying coverage is what deductibles to buy. The rates below can help show the differences in premium rates between high and low comp and collision deductibles. The first rate table uses a $250 deductible for comp and collision and the second set of prices uses a $500 deductible.


Dodge Ram 3500 insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $602 $900 $690 $40 $206 $2,463 $205
Ram 3500 Crew Cab ST 2WD $740 $1060 $690 $40 $206 $2,761 $230
Ram 3500 Crew Cab ST 4WD $740 $1220 $1036 $62 $310 $3,393 $283
Ram 3500 Crew Cab SLT 2WD $740 $1220 $690 $40 $206 $2,921 $243
Ram 3500 Mega Cab SLT 2WD $740 $1220 $690 $40 $206 $2,921 $243
Ram 3500 Mega Cab SLT 4WD $740 $1380 $1036 $62 $310 $3,553 $296
Ram 3500 Crew Cab SLT 4WD $740 $1380 $1036 $62 $310 $3,553 $296
Ram 3500 Crew Cab Laramie 4WD $740 $1380 $1036 $62 $310 $3,553 $296
Ram 3500 Mega Cab Laramie 2WD $740 $1220 $690 $40 $206 $2,921 $243
Ram 3500 Crew Cab Laramie 2WD $740 $1220 $690 $40 $206 $2,921 $243
Ram 3500 Mega Cab Laramie 4WD $740 $1380 $1036 $62 $310 $3,553 $296
Get Your Own Custom Quote Go

Dodge Ram 3500 insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $490 $726 $690 $40 $206 $2,152 $179
Ram 3500 Crew Cab ST 2WD $602 $854 $690 $40 $206 $2,392 $199
Ram 3500 Crew Cab ST 4WD $602 $984 $1036 $62 $310 $2,994 $250
Ram 3500 Crew Cab SLT 2WD $602 $984 $690 $40 $206 $2,522 $210
Ram 3500 Mega Cab SLT 2WD $602 $984 $690 $40 $206 $2,522 $210
Ram 3500 Mega Cab SLT 4WD $602 $1112 $1036 $62 $310 $3,122 $260
Ram 3500 Crew Cab SLT 4WD $602 $1112 $1036 $62 $310 $3,122 $260
Ram 3500 Crew Cab Laramie 4WD $602 $1112 $1036 $62 $310 $3,122 $260
Ram 3500 Mega Cab Laramie 2WD $602 $984 $690 $40 $206 $2,522 $210
Ram 3500 Crew Cab Laramie 2WD $602 $984 $690 $40 $206 $2,522 $210
Ram 3500 Mega Cab Laramie 4WD $602 $1112 $1036 $62 $310 $3,122 $260
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Michigan minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Prices do not factor in zip code location which can change premium rates greatly.

Using the premium rates above, we can conclude that using a $250 deductible will cost in the ballpark of $33 more each month or $396 each year than requesting the higher $500 deductible. Since the policyholder would be required to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally average more than 8 months between claims, you would more than likely save some money if you opt for a higher deductible.

How to calculate deductible break even point

Average monthly premium for $250 deductibles: $261
Average monthly premium for $500 deductibles (subtract): – $228
Monthly savings from raising deductible: $33
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 8 months

Take policy discounts and save on Dodge Ram 3500 insurance in Detroit

Auto insurance is neither fun to buy or cheap, but you might find some hidden discounts that could help you make your next renewal payment. Some of these discounts will be visible when you quote, but some discounts are required to be requested specifically prior to receiving the credit.Auto insurance discounts

Drivers should understand that some credits don’t apply to all coverage premiums. The majority will only reduce individual premiums such as liability and collision coverage. If you do the math and it seems like all the discounts add up to a free policy, you’re out of luck.

The chart below shows the difference between Dodge Ram 3500 insurance rates with and without discounts applied. The data assumes a male driver, a clean driving record, no at-fault accidents, Michigan state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, homeowner, multi-policy, multi-car, and claim-free discounts applied.

A few of the larger companies and their possible discounts include:

If you are trying to find affordable Detroit auto insurance quotes, ask each company how you can save money. Some credits may not be offered in Detroit. To choose companies with discount rates in Detroit, click here.