Affordable Insurance for a Dodge Ram 3500 in Honolulu

Insurance quote for Dodge Ram 3500 in HonoluluUnbelievable but true, over 70% of consumers have purchased from the same company for well over three years, and virtually 40% of consumers have never compared car insurance rates at all. With the average premium in Hawaii being $962, drivers could save up to 40% each year by just comparing quotes, but they just don’t understand how easy it is to compare rate quotes.

Truthfully, the best way to find more affordable car insurance rates in Honolulu is to begin comparing prices regularly from companies that insure vehicles in Hawaii. Rate comparisons can be done by following these guidelines.

Step 1: Try to learn about how insurance works and the measures you can take to lower rates. Many things that result in higher rates like multiple speeding tickets and a less-than-favorable credit history can be amended by making minor changes to your lifestyle.

Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive and State Farm, while independent agencies can quote rates from multiple companies.

Step 3: Compare the new rate quotes to your existing policy to see if cheaper Ram 3500 coverage is available. If you can save money and change companies, make sure there is no lapse between the expiration of your current policy and the new one.

Step 4: Provide proper notification to your current company of your decision to cancel your current car insurance policy. Submit payment along with a signed and completed policy application to the newly selected company. As soon as coverage is bound, place your new proof of insurance paperwork in an easily accessible location in your vehicle.

A good piece of advice is that you use the same deductibles and limits on every quote and and to look at every company you can. Doing this provides a fair price comparison and plenty of rates choose from.

Companies offering Dodge Ram 3500 insurance in Hawaii

The companies shown below are our best choices to provide price quotes in Honolulu, HI. If the list has multiple companies, it’s a good idea that you visit two to three different companies to get a more complete price comparison.

Dodge Ram 3500 coverage analysis

The coverage information shown next covers detailed analysis of rate quotes for Dodge Ram 3500 models. Learning as much as possible about how insurance policy rates are calculated can be of help when making informed coverage decisions.


Dodge Ram 3500 Insurance Rates in Honolulu, HI
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $230 $344 $264 $16 $80 $934 $78
Ram 3500 Crew Cab ST 2WD $284 $406 $264 $16 $80 $1,050 $88
Ram 3500 Crew Cab ST 4WD $284 $468 $398 $24 $118 $1,292 $108
Ram 3500 Crew Cab SLT 2WD $284 $468 $264 $16 $80 $1,112 $93
Ram 3500 Mega Cab SLT 2WD $284 $468 $264 $16 $80 $1,112 $93
Ram 3500 Mega Cab SLT 4WD $284 $528 $398 $24 $118 $1,352 $113
Ram 3500 Crew Cab SLT 4WD $284 $528 $398 $24 $118 $1,352 $113
Ram 3500 Crew Cab Laramie 4WD $284 $528 $398 $24 $118 $1,352 $113
Ram 3500 Mega Cab Laramie 2WD $284 $468 $264 $16 $80 $1,112 $93
Ram 3500 Crew Cab Laramie 2WD $284 $468 $264 $16 $80 $1,112 $93
Ram 3500 Mega Cab Laramie 4WD $284 $528 $398 $24 $118 $1,352 $113
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Premium costs do not factor in vehicle location which can alter price quotes considerably.

Higher deductibles save money

When buying insurance, a common question is how high or low should comp and collision deductibles be. The rates shown below can help illustrate the cost difference when you select higher and lower physical damage coverage deductibles. The first pricing table uses a $250 deductible for physical damage and the second set of prices uses a $1,000 deductible.


Dodge Ram 3500 insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $230 $344 $264 $16 $80 $959 $80
Ram 3500 Crew Cab ST 2WD $284 $406 $264 $16 $80 $1,075 $90
Ram 3500 Crew Cab ST 4WD $284 $468 $398 $24 $118 $1,317 $110
Ram 3500 Crew Cab SLT 2WD $284 $468 $264 $16 $80 $1,137 $95
Ram 3500 Mega Cab SLT 2WD $284 $468 $264 $16 $80 $1,137 $95
Ram 3500 Mega Cab SLT 4WD $284 $528 $398 $24 $118 $1,377 $115
Ram 3500 Crew Cab SLT 4WD $284 $528 $398 $24 $118 $1,377 $115
Ram 3500 Crew Cab Laramie 4WD $284 $528 $398 $24 $118 $1,377 $115
Ram 3500 Mega Cab Laramie 2WD $284 $468 $264 $16 $80 $1,137 $95
Ram 3500 Crew Cab Laramie 2WD $284 $468 $264 $16 $80 $1,137 $95
Ram 3500 Mega Cab Laramie 4WD $284 $528 $398 $24 $118 $1,377 $115
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Dodge Ram 3500 insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Ram 3500 Crew Cab Laramie 2WD $142 $216 $264 $16 $80 $718 $60
Ram 3500 Crew Cab ST 2WD $176 $256 $264 $16 $80 $792 $66
Ram 3500 Crew Cab ST 4WD $176 $294 $398 $24 $118 $1,010 $84
Ram 3500 Crew Cab SLT 2WD $176 $294 $264 $16 $80 $830 $69
Ram 3500 Mega Cab SLT 2WD $176 $294 $264 $16 $80 $830 $69
Ram 3500 Mega Cab SLT 4WD $176 $332 $398 $24 $118 $1,048 $87
Ram 3500 Crew Cab SLT 4WD $176 $332 $398 $24 $118 $1,048 $87
Ram 3500 Crew Cab Laramie 4WD $176 $332 $398 $24 $118 $1,048 $87
Ram 3500 Mega Cab Laramie 2WD $176 $294 $264 $16 $80 $830 $69
Ram 3500 Crew Cab Laramie 2WD $176 $294 $264 $16 $80 $830 $69
Ram 3500 Mega Cab Laramie 4WD $176 $332 $398 $24 $118 $1,048 $87
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Price information does not factor in vehicle garaging location which can increase or decrease insurance rates considerably.

Using the premium rates above, we can conclude that using a $250 deductible costs approximately $26 more each month or $312 annually averaged for all Ram 3500 models than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 29 months between claim filings, you would more than likely save some money if you choose a higher deductible.

Violations and accidents raise rates

The example below shows how speeding tickets and at-fault accidents can impact Dodge Ram 3500 yearly insurance costs for each different age category. The price estimates are based on a single male driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.

Difference between full coverage and liability only rates

The example below shows the difference between Dodge Ram 3500 insurance prices with full physical damage coverage compared to only buying liability only. The costs are based on no claims, a clean driving record, $100 deductibles, single marital status, and no discounts are applied.

When to switch to liability coverage only

There is no written rule for phasing out full coverage, but there is a general guideline. If the yearly cost for physical damage coverage is more than 10% of the replacement cost minus the deductible, then it might be time to buy liability only.

For example, let’s assume your Dodge Ram 3500 replacement cost is $4,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $3,000 after paying your deductible. If premium cost is more than $300 a year to have full coverage, then it might be time to consider dropping full coverage.

There are some situations where dropping physical damage coverage is not in your best interest. If you haven’t paid off your loan, you have to carry full coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is in an accident, you should keep full coverage in place.

Insurance policy discounts you can’t miss

Some companies don’t list all discounts in an easy-to-find place, so the next list breaks down both the well known and also the more inconspicuous credits available to lower your premiums when you buy Honolulu car insurance online. If you check and find you aren’t receiving every discount you qualify for, you could be paying more than you need to.Cheaper insurance with discounts

As a disclaimer on discounts, most credits do not apply to the whole policy. Most only apply to the price of certain insurance coverages like comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, you won’t be that lucky. Any qualifying discounts will help reduce the cost of coverage.

The illustration below shows the difference between Dodge Ram 3500 annual premium costs with and without discounts applied. The premium estimates are based on a male driver, no accidents or driving violations, Hawaii state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, multi-car, multi-policy, and marriage discounts applied.

Larger insurance companies and a selection of discounts are outlined below.

Check with each company or agent which discounts they offer. Some of the earlier mentioned discounts may not apply to policyholders in Honolulu. To find companies that can offer you the previously mentioned discounts in Hawaii, click here to view.

What Affects Dodge Ram 3500 Insurance Rates?

Part of the car insurance buying process is learning the different types of things that play a part in calculating your premiums. If you have a feel for what impacts premium levels, this enables informed choices that can earn you better car insurance rates. Many different elements are used when you get a price on insurance. A few of the factors are predictable such as your driving record, although others are more transparent like where you live or your financial responsibility.

Listed below are some of the most rate-impacting factors utilized by car insurance companies to help set your rates.

When to talk to an insurance agent

A small number of people still like to get professional advice from a licensed agent and that is recommended in a lot of cases The biggest benefit of comparing insurance prices online is you can get better rates and also buy local. Buying insurance from local agents is still important in Honolulu.

Find insurance agent in HonoluluAfter completing this simple form, the quote information is transmitted to agents in your area who want to provide quotes to get your business. There is no reason to contact any agents due to the fact that quote results will go immediately to you. Get lower rates AND an agent nearby. In the event you want to get a price quote from a particular provider, just search and find their rate quote page and fill out the quote form the provide.

If you’re trying to find a good insurance agency, you need to know there are two types of insurance agents and how they function. Insurance agencies in Honolulu are classified as either independent (non-exclusive) or exclusive.

Independent Insurance Agents

Independent agencies often have many company appointments so they can quote policies with an assortment of companies and get the cheapest rates. If they find a cheaper price, they simply move your policy to a different company and you stay with the same agent.

When comparing auto insurance prices, you should always get insurance quotes from several independent insurance agents so that you have a good selection of quotes to compare.

Featured below is a short list of independent agents in Honolulu that can possibly get you free rate quotes.


420 Waiakamilo RdHonolulu, HI 96817(808) 527-7667View Map


1100 Ward Ave # Main, Honolulu, HI 96814, Honolulu, 96818Honolulu, HI 96818(808) 527-7777View Map


1350 S King St #303Honolulu, HI 96814(808) 591-5545View Map

More Honolulu agents

Exclusive Insurance Agents

Agents that choose to be exclusive normally can only provide a single company’s rates like Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents cannot compare rates from other companies so it’s a take it or leave it situation. They are trained well on their products and sales techniques which helps them sell on service rather than price.

Below is a list of exclusive insurance agencies in Honolulu who can help you get price quotes.


560 N Nimitz Hwy #217fHonolulu, HI 96817(808) 524-9997View Map


210 Ward Ave #116Honolulu, HI 96814(808) 587-6116View Map


931 University Ave Ste 108Honolulu, HI 96826(808) 944-1854View Map

More Honolulu agents

Finding the right insurance agent requires more thought than just a cheap price quote. The questions below may impact your decision as well.

Car insurance companies ranked

Picking the top insurer can be rather challenging considering how many choices drivers have in Hawaii. The ranking information listed below could help you decide which car insurance providers to look at purchasing coverage from.

Honolulu, Hawaii Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies

Compare but don’t skimp

As you shop your coverage around, you should never skimp on critical coverages to save a buck or two. There are a lot of situations where an insured cut uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. The aim is to get the best coverage possible for the lowest cost.

Some insurance companies do not offer rate quotes online and most of the time these small, regional companies work with local independent agents. Discount Dodge Ram 3500 insurance can be found online and from local insurance agents, and you need to comparison shop both to have the best selection.

Much more information about auto insurance in Hawaii can be read at these links: