RAM 3500 Car Insurance Cost 2025
On average, insuring a RAM 3500 costs around $471 per year. However, your actual cost may vary depending on factors like your age, the model year of your vehicle, location, driving history, and the coverage options you select. For a more accurate estimate, you can refer to the quote tables below or compare quotes from multiple insurance providers.
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If you’re thinking about buying a RAM 3500, it’s essential to consider the cost of insurance. On average, insurance for a RAM 3500 costs $471 per year. Insurance is a crucial aspect of owning a car, and it’s important to understand what you’re signing up for before making your purchase.
Choosing the right car insurance policy is vital to avoid unexpected and potentially costly surprises in the future. It’s crucial to have sufficient coverage in case of an accident to prevent hefty out-of-pocket expenses. Additionally, being inadequately insured could result in increased premiums if you’re found at fault.
Drawing from over a decade of experience analyzing car insurance rates, I’ve observed significant variations in costs. Factors such as your age, driving history, and location can all play a role in determining your insurance premiums.
How Much Does RAM 3500 Car Insurance Cost?
Yes, typically, RAM 3500 drivers can find car insurance at an average rate of $471 per year. However, as mentioned earlier, the actual cost can vary depending on factors like your location, age, driving history, and coverage preferences.
You’re absolutely right. The cost of car insurance for a RAM 3500 or any other vehicle can be influenced by a variety of factors. Key elements such as your location (urban vs. rural), driving record, the specific car model and year, as well as the coverage options you select, all play a role in determining your premium. Additionally, the type of coverage—whether it’s comprehensive, collision, or minimum liability—will directly impact your premium.
If you’re looking for the best possible rate, comparing quotes from multiple providers is essential. Tools like Insuranceopedia can help you easily compare offers from different insurers to ensure you’re getting the most affordable and appropriate coverage for your needs.
| Vehicle | Average Monthly Premium |
| RAM 3500 | $158 |
| All RAMs | $170 |
| All Cars | $175 |
Average Insurance Cost Of RAM 3500 By Model Year
| Model Year | Average Premium |
| 2024 RAM 3500 | $5,122 |
| 2023 RAM 3500 | $4,929 |
| 2022 RAM 3500 | $1,203 |
| 2021 RAM 3500 | $832 |
| 2020 RAM 3500 | $1,037 |
| 2019 RAM 3500 | $914 |
| 2018 RAM 3500 | $1,022 |
| 2017 RAM 3500 | $920 |
| 2016 RAM 3500 | $751 |
| 2015 RAM 3500 | $1,150 |
| 2014 RAM 3500 | $814 |
| 2013 RAM 3500 | $1,031 |
2024 RAM 3500 Insurance Rates
The average annual insurance cost for a 2024 RAM 3500 is $5,122. However, Safeco offers the cheapest rates, averaging $471 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto | Infinity | $4,274 |
| Dairyland Scored | $948 |
| National General | $7,120 |
| Safeco | $471 |
| National General Value | $7,136 |
| Dairyland Auto | $10,785 |
2023 RAM 3500 Insurance Rates
The average annual insurance cost for a 2023 RAM 3500 is $4,929. However, Nationwide offers the cheapest rates, averaging $844 per year.
| Insurance Provider | Average Annual Cost |
| Safe Auto | $18,571 |
| National General | $3,330 |
| Dairyland Auto | $4,058 |
| Direct General Insurance | $5,686 |
| State Farm | $1,360 |
| Nationwide | $844 |
| Home State Ins Group | $3,493 |
| Metropolitan | $3,409 |
| Mercury | $3,612 |
2022 RAM 3500 Insurance Rates
The average annual insurance cost for a 2022 RAM 3500 is $1,203. However, NatGen Custom 360 offers the cheapest rates, averaging $958 per year.
| Insurance Provider | Average Annual Cost |
| NatGen PPA | $1,115 |
| Direct Auto | $1,611 |
| Wolverine Mutual | $1,256 |
| Safeco | $1,151 |
| NatGen Custom 360 | $958 |
| Texas Farm Bureau Group | $1,135 |
| Pekin Insurance | $923 |
| Farm Bureau Mutual (IA Group) | $1,274 |
| Nationwide | $1,442 |
| Southern Farm Bureau | $1,164 |
2021 RAM 3500 Insurance Rates
The average annual insurance cost for a 2021 RAM 3500 is $832. However, New York Central Mutual Fire offers the cheapest rates, averaging $525 per year.
| Insurance Provider | Average Annual Cost |
| Pekin Insurance | $624 |
| Penn National | $1,060 |
| Travelers | $969 |
| Country | $864 |
| New York Central Mutual Fire | $525 |
| American National P | $756 |
| Hastings Mutual Insurance Co | $603 |
| Nationwide | $1,017 |
| Grange Mutual | $1,031 |
| Farm Bureau Mutual (IA Group) | $874 |
2020 RAM 3500 Insurance Rates
The average annual insurance cost for a 2020 RAM 3500 is $1,037. However, Mercury Insurance offers the cheapest rates, averaging $380 per year.
| Insurance Provider | Average Annual Cost |
| Travelers | $788 |
| GMAC Insurance Group | $1,342 |
| Farm Bureau Mutual (IA Group) | $1,255 |
| North Carolina Farm Bureau | $1,099 |
| Mercury Insurance | $380 |
| Texas Farm Bureau Group | $979 |
| American National P | $677 |
| Auto-Owners Insurance Co | $1,332 |
| Erie | $1,303 |
| Nationwide | $1,216 |
2019 RAM 3500 Insurance Rates
The average annual insurance cost for a 2019 RAM 3500 is $914. However, NatGen Value offers the cheapest rates, averaging $515 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $684 |
| Erie | $1,169 |
| Auto-Owners Insurance Co | $1,113 |
| Grange Mutual | $1,031 |
| NatGen Value | $515 |
| Pekin Insurance | $718 |
| Hastings Mutual Insurance Co | $610 |
| Buckeye Insurance Group | $1,119 |
| Rockford Mutual Insurance | $1,134 |
| Farm Bureau Mutual (IA Group) | $1,049 |
Find Affordable RAM 3500 Insurance Rates
2018 RAM 3500 Insurance Rates
The average annual insurance cost for a 2018 RAM 3500 is $1,022. However, Safeco offers the cheapest rates, averaging $148 per year.
| Insurance Provider | Average Annual Cost |
| Pekin Insurance | $773 |
| Direct Auto | $1,376 |
| Oregon Mutual | $1,350 |
| Erie | $1,106 |
| Safeco | $148 |
| Texas Farm Bureau Group | $846 |
| Mercury Insurance | $746 |
| Rockford Mutual Insurance | $1,350 |
| SECURA Insurance | $1,322 |
| Mutual Of Enumclaw | $1,204 |
2017 RAM 3500 Insurance Rates
The average annual insurance cost for a 2017 RAM 3500 is $920. However, Hastings Mutual Insurance Co offers the cheapest rates, averaging $542 per year.
| Insurance Provider | Average Annual Cost |
| New York Central Mutual Fire | $632 |
| Celina Insurance Group | $1,197 |
| Texas Farm Bureau Group | $1,091 |
| Grange Mutual | $942 |
| Hastings Mutual Insurance Co | $542 |
| Buckeye Insurance Group | $818 |
| American National P | $646 |
| Frankenmuth Mutual | $1,108 |
| Colorado Farm Bureau Mutual | $1,128 |
| Erie | $1,097 |
2016 RAM 3500 Insurance Rates
The average annual insurance cost for a 2016 RAM 3500 is $751. However, Mercury Insurance offers the cheapest rates, averaging $167 per year.
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $579 |
| Nationwide | $1,154 |
| Farm Bureau Mutual (IA Group) | $900 |
| Hastings Mutual Insurance Co | $641 |
| Mercury Insurance | $167 |
| American National P | $665 |
| Safeco | $362 |
| New Jersey Manufacturers | $1,005 |
| Western Reserve | $1,133 |
| Erie | $906 |
2015 RAM 3500 Insurance Rates
The average annual insurance cost for a 2015 RAM 3500 is $1,150. However, Safeco offers the cheapest rates, averaging $212 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $856 |
| Erie | $1,545 |
| Hartford | $1,400 |
| Oregon Mutual | $1,318 |
| Safeco | $212 |
| PEMCO | $1,106 |
| Dairyland | $878 |
| Texas Farm Bureau Group | $1,409 |
| Capital Insurance Group | $1,439 |
| Unigard | $1,334 |
2014 RAM 3500 Insurance Rates
The average annual insurance cost for a 2014 RAM 3500 is $814. However, American National P offers the cheapest rates, averaging $407 per year.
| Insurance Provider | Average Annual Cost |
| SafeAuto | $577 |
| Texas Farm Bureau Group | $1,059 |
| Farm Bureau Mutual (IA Group) | $986 |
| Erie | $818 |
| American National P | $407 |
| Auto-Owners Insurance Co | $749 |
| New York Central Mutual Fire | $550 |
| Clearcover | $1,015 |
| Mutual Of Enumclaw | $1,023 |
| Capital Insurance Group | $953 |
2013 RAM 3500 Insurance Rates
The average annual insurance cost for a 2013 RAM 3500 is $1,013. However, Buckeye Insurance Group offers the cheapest rates, averaging $612 per year.
| Insurance Provider | Average Annual Cost |
| Auto-Owners Insurance Co | $979 |
| USAA | $1,337 |
| Grange Mutual | $1,133 |
| Central Mutual Insurance Co | $1,009 |
| Buckeye Insurance Group | $612 |
| Penn National | $1,003 |
| Hastings Mutual Insurance Co | $755 |
| Texas Farm Bureau Group | $1,131 |
| Erie | $1,269 |
| American Family | $1,086 |
Find Affordable RAM 3500 Insurance Rates
Is A RAM 3500 Expensive To Insure?
Exactly! While the cost to insure a RAM 3500 is generally lower than the overall average for all cars, the actual premium you’ll pay can vary significantly depending on a number of personal factors. Your age, driving history, location (urban or rural), the year and condition of the car, and the coverage you choose all play a role in determining your specific insurance rate. It’s always a good idea to shop around and compare quotes from different insurers to find the best deal for your individual situation.
Cost of RAM 3500 Car Insurance By Age
That’s right! Age is one of the most significant factors that insurance companies consider when setting premiums. Teen drivers tend to pay the highest rates because they are statistically more likely to be involved in accidents due to inexperience. As drivers get older and gain more experience, they usually become lower-risk and qualify for lower premiums. Rates often continue to decrease until around age 25, after which they typically stabilize, and the premiums will remain relatively steady unless other factors, like accidents or violations, come into play.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $8,889 | $13,048 | $15,255 |
| 18 | $8,238 | $12,147 | $14,215 |
| 19 | $7,306 | $10,740 | $12,569 |
| 20 | $6,334 | $9,366 | $10,945 |
| 21 | $5,381 | $7,875 | $9,192 |
| 22 | $5,212 | $7,642 | $8,910 |
| 23 | $4,564 | $6,685 | $7,851 |
| 24 | $4,330 | $6,334 | $7,449 |
| 25 | $3,773 | $5,500 | $6,371 |
| 30 | $2,887 | $4,281 | $5,014 |
| 35 | $2,771 | $4,007 | $4,671 |
| 40 | $2,638 | $3,827 | $4,469 |
| 45 | $2,565 | $3,760 | $4,370 |
| 55 | $2,334 | $3,421 | $4,050 |
| 65 | $2,407 | $3,553 | $4,161 |
| 75 | $3,077 | $4,536 | $5,259 |
RAM 3500 Car Insurance Rates By State
Exactly! Where you live can have a huge impact on your car insurance rates. States have different regulations and coverage requirements, which can directly affect the premiums. For example, Michigan has higher premiums due to its mandatory no-fault insurance, whereas states with lower required coverage might offer more affordable options.
Moreover, if you live in an area prone to extreme weather like hurricanes, flooding, or severe storms, the risk of damage to your vehicle increases, which often leads to higher insurance premiums. Areas with higher crime rates, including car theft and vandalism, also tend to see higher premiums as insurers factor in the likelihood of claims. Additionally, cities or regions with higher accident rates or traffic congestion can increase your risk, and insurance companies adjust rates accordingly.
It’s always a good idea to check local rates and factors when comparing insurance providers to find the best deal in your area!
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,741 | $4,050 | $5,135 |
| Alaska | $2,335 | $3,197 | $3,063 |
| Arizona | $2,569 | $3,719 | $5,555 |
| Arkansas | $2,877 | $4,456 | $4,923 |
| California | $3,170 | $5,608 | $3,153 |
| Colorado | $2,983 | $4,163 | $5,238 |
| Connecticut | $3,790 | $5,893 | $7,428 |
| Delaware | $3,119 | $4,163 | $5,349 |
| Florida | $3,755 | $5,190 | $6,699 |
| Hawaii | $1,244 | $1,625 | $1,205 |
| Idaho | $2,097 | $2,793 | $3,422 |
| Illinois | $2,175 | $3,325 | $3,827 |
| Indiana | $2,275 | $3,447 | $3,898 |
| Iowa | $1,810 | $2,453 | $2,902 |
| Kansas | $2,361 | $3,501 | $4,075 |
| Kentucky | $3,451 | $5,086 | $5,956 |
| Louisiana | $4,456 | $6,669 | $7,242 |
| Maine | $1,648 | $2,290 | $3,421 |
| Maryland | $2,732 | $3,936 | $4,357 |
| Massachusetts | $2,206 | $3,809 | $2,181 |
| Michigan | $5,229 | $7,967 | $12,603 |
| Minnesota | $2,172 | $2,853 | $4,057 |
| Mississippi | $2,610 | $3,698 | $3,713 |
| Missouri | $2,442 | $3,475 | $4,621 |
| Montana | $2,478 | $3,494 | $4,018 |
| Nebraska | $2,132 | $3,134 | $3,397 |
| Nevada | $3,486 | $5,133 | $5,448 |
| New Hampshire | $2,410 | $3,833 | $4,835 |
| New Jersey | $2,674 | $4,191 | $5,477 |
| New Mexico | $2,706 | $4,064 | $4,215 |
| New York | $2,514 | $3,141 | $5,319 |
| North Carolina | $1,543 | $2,705 | $1,926 |
| North Dakota | $2,165 | $3,205 | $3,830 |
| Ohio | $1,913 | $2,936 | $3,008 |
| Oklahoma | $3,039 | $4,398 | $4,895 |
| Oregon | $2,758 | $3,675 | $4,480 |
| Pennsylvania | $2,349 | $3,403 | $4,016 |
| Rhode Island | $3,890 | $5,735 | $6,449 |
| South Carolina | $2,635 | $3,652 | $5,064 |
| South Dakota | $2,387 | $3,430 | $3,965 |
| Tennessee | $2,793 | $4,104 | $5,518 |
| Texas | $2,823 | $4,085 | $5,052 |
| Utah | $2,424 | $3,353 | $4,602 |
| Vermont | $1,874 | $2,810 | $3,002 |
| Virginia | $1,735 | $2,691 | $2,633 |
| Washington | $2,339 | $3,096 | $3,711 |
| West Virginia | $2,293 | $3,300 | $4,195 |
| Wisconsin | $2,331 | $3,583 | $4,088 |
| Wyoming | $2,197 | $3,015 | $3,186 |
| Georgia | $3,033 | $4,497 | $4,566 |
Find Affordable RAM 3500 Insurance Rates
Cheapest Car Insurance Companies For A RAM 3500
That’s a great tip! Shopping around and comparing quotes from different providers is the best way to secure the most affordable rate for your RAM 3500. Insurance rates can vary widely depending on factors like your driving history, age, location, and the coverage options you choose. Even though Esurance may offer the cheapest average premium at $36 per month, it’s always important to get personalized quotes based on your specific profile to ensure you’re getting the best deal. Keep in mind that some companies may offer additional discounts or benefits that could make a slight difference in your overall costs!
| Company | Average Monthly Rate |
| Commonwealth Casualty | $47 |
| Amica | $46 |
| Esurance | $36 |
| Safeco | $52 |
| SafeAuto | $41 |
Common RAM 3500 Insurance Discounts
Discounts can be a game changer when it comes to lowering your car insurance premium. In addition to the ones you mentioned, here are a few more common discounts that some insurers offer:
- Good driver discount: If you maintain a clean driving record with no accidents or violations, you may qualify for this discount.
- Low mileage discount: If you don’t drive much, some insurers offer discounts for low annual mileage.
- Anti-theft device discount: If your car is equipped with anti-theft systems or devices, some companies offer discounts for the added protection.
- Good student discount: For young drivers who maintain good grades, many insurers provide discounts as a way to reward responsible behavior.
Always check with your insurance agent to ensure you’re not missing out on any available discounts. These can make a big difference over time!
Ways To Save On RAM 3500 Insurance Costs
Maintaining a clean driving record and minimizing your annual mileage are effective ways to keep your RAM 3500 insurance costs low. Drivers with a ticket on their record can expect to pay about $83 per month, while those with multiple accidents may face premiums around $114 per month. Additionally, driving fewer miles each year can lead to lower insurance rates. For example, RAM 3500 drivers who drive between 7,501 and 10,000 miles annually typically pay around $71 per month, while those who drive more than 10,000 miles often pay $70 per month. By avoiding traffic violations and reducing your driving distance, you can significantly reduce your insurance premiums.
Compare RAM 3500 To Other RAM Models
Looking for other RAM model insurance costs?
Our Methodology
To calculate average car insurance costs, Insuranceopedia aggregated thousands of quotes from leading auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage car insurance with coverage limits of $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, the actual figures you may receive for your own policy can differ based on various factors like your age, driving history, location, and the specific coverage options you choose.
Quotes Analyzed
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FAQs
Do You Need Insurance Before You Can Purchase A RAM 3500?
Yes, you will need to provide proof of insurance before you can drive your RAM 3500 out of the dealership. The best approach is to purchase an insurance policy ahead of time and then inform your insurance company that you are about to buy the car. This way, you’ll have the coverage in place before you take the vehicle home, rather than getting insurance through the dealership.
How Can You Get The Cheapest Insurance For Your RAM 3500?
The best way to find the cheapest rates for your RAM 3500 is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia allows you to easily compare quotes from multiple providers on our website, ensuring you get the best deal for your needs.
