RAM 3500 Car Insurance Cost

Getting insurance for a RAM 3500 typically runs about $1,148 annually through Nationwide. However, the actual cost can vary based on factors such as your age, the model year of your car, and other considerations. Refer to our quote tables below to get a more accurate estimate of what it could cost you.

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Updated: 04 April 2024
Written by
Ahmed
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If you’re thinking about buying a RAM 3500, it’s essential to consider the cost of insurance. 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?

Typically, Nationwide provides the most competitive rate at an average of $1,148 annually for full coverage insurance on a 2023 RAM 3500.

While Nationwide’s rate serves as a valuable point of reference, it’s essential to recognize that the cost of car insurance can vary significantly based on several factors. These factors include your location, driving history, the age of your car, and the specific coverage options you select. Maintaining a clean driving record typically results in lower premiums, while a history of accidents or traffic violations can drive up your costs.

Moreover, residing in an urban area with heavy traffic may lead to higher insurance rates compared to rural areas with less traffic congestion. The type of coverage you opt for also influences your premium; comprehensive coverage, which includes both comprehensive and collision coverage, tends to be more expensive than minimum liability coverage.

Insuranceopedia is available to assist you in comparing quotes from different insurance companies, ensuring you find the best deal possible.

2023 RAM 3500 Insurance Rates

Insurance Provider Average Annual Cost
Nationwide $1,148
State Farm $1,345
Metropolitan $3,388
Home State Ins Group $3,463
Mercury $3,600
Direct General Insurance $5,699
Dairyland Auto $6,127
Safe Auto $18,609

2022 RAM 3500 Insurance Rates

Insurance Provider Average Annual Cost
NatGen Custom 360 $437
Titan $931
Utica National Ins Group $1,055
NatGen PPA $1,139
Farm Bureau Mutual (IA Group) $1,215
North Carolina Farm Bureau $1,227
Wolverine Mutual $1,254
Capital Insurance Group $1,280
Pekin Insurance $1,371
IMT Insurance Company $1,405

2021 RAM 3500 Insurance Rates

Insurance Provider Average Annual Cost
New York Central Mutual Fire $542
American National P $614
Pekin Insurance $687
Safeco $713
Hastings Mutual Insurance Co $700
Penn National $1,078
Buckeye Insurance Group $1,143
Rockford Mutual Insurance $1,147
ACCC Insurance Company $1,213
Grange Mutual $1,238

2020 RAM 3500 Insurance Rates

Insurance Provider Average Annual Cost
Safeco $347
Mercury Insurance $412
American National P $729
Pekin Insurance $924
Utica National Ins Group $976
Titan $1,083
North Carolina Farm Bureau $1,095
Norfolk and Dedham Group $1,233
Safety Group $1,239
Capital Insurance Group $1,300

2019 RAM 3500 Insurance Rates

Insurance Provider Average Annual Cost
NatGen Value $493
American National P $657
New York Central Mutual Fire $667
Safeco $740
Dairyland $771
Clearcover $962
Farm Bureau Mutual (IA Group) $1,077
Buckeye Insurance Group $1,085
Oregon Mutual $1,109
Mutual Of Enumclaw $1,244

2018 RAM 3500 Insurance Rates

Insurance Provider Average Annual Cost
Safeco $181
American National P $511
Buckeye Insurance Group $667
Mercury Insurance $757
Concord Group $763
Countryway Insurance $923
New York Central Mutual Fire $1,001
Utica National Ins Group $994
MMG Insurance Company $1,031
Western Reserve $1,064

2017 RAM 3500 Insurance Rates

Insurance Provider Average Annual Cost
Countryway Insurance $581
American National P $597
Concord Group $574
SAFECO $633
New York Central Mutual Fire $680
MMG Insurance Company $774
Buckeye Insurance Group $829
Patriot Group $1,054
Farmers Mutual of Nebraska $1,047
Direct Auto $1,100

2016 RAM 3500 Insurance Rates

Insurance Provider Average Annual Cost
SAFECO $332
American National P $607
Mercury Insurance $632
Buckeye Insurance Group $683
Pekin Insurance $713
Hastings Mutual Insurance Co $914
SECURA Insurance $913
Indiana Farmers Mutual Ins $965
New Jersey Manufacturers $1,004
Erie $1,104

2015 RAM 3500 Insurance Rates

Insurance Provider Average Annual Cost
Buckeye Insurance Group $702
Verti Insurance $858
Victoria $864
Dairyland $895
Mississippi Farm Bureau $1,044
Western Reserve $1,069
PEMCO $1,067
Texas Farm Bureau Group $1,119
Preferred Mutual $1,216
Farm Bureau Mutual (IA Group) $1,258

2014 RAM 3500 Insurance Rates

Insurance Provider Average Annual Cost
American National P $479
New York Central Mutual Fire $519
West Bend Mutual $876
PEMCO $992
Oregon Mutual $1,036
Capital Insurance Group $1,057
Pekin Insurance $1,064
Clearcover $1,080
Texas Farm Bureau Group $1,104
Rural Mutual Insurance $1,130

2013 RAM 3500 Insurance Rates

Insurance Provider Average Annual Cost
Pekin Insurance $664
Buckeye Insurance Group $759
Utica National Ins Group $801
Penn National $920
Mutual Of Enumclaw $939
ALFA $990
Virginia Farm Bureau $999
SECURA Insurance $1,047
Erie $1,071
Oregon Mutual $1,077

Cost of RAM 3500 Car Insurance By Age

Driver Age Good Driver Recent Accident Poor Credit
17 $6,745 $9,898 $11,558
18 $6,280 $9,203 $10,799
19 $5,561 $8,152 $9,545
20 $4,841 $7,101 $8,332
21 $4,061 $5,939 $6,970
22 $3,959 $5,820 $6,794
23 $3,457 $5,071 $5,954
24 $3,274 $4,831 $5,649
25 $2,843 $4,181 $4,858
30 $2,189 $3,236 $3,805
35 $2,072 $3,019 $3,570
40 $1,986 $2,938 $3,427
45 $1,935 $2,859 $3,344
55 $1,756 $2,625 $3,058
65 $1,858 $2,737 $3,190
75 $2,321 $3,450 $4,028

RAM 3500 Car Insurance Rates By State

State Good Driver Recent Accident Poor Credit
Alabama $2,119 $3,047 $3,918
Alaska $1,730 $2,433 $2,363
Arizona $1,971 $2,831 $4,199
Arkansas $2,172 $3,395 $3,723
California $2,424 $4,240 $2,426
Colorado $2,260 $3,141 $4,007
Connecticut $2,888 $4,459 $5,669
Delaware $2,387 $3,177 $4,057
Florida $2,818 $3,905 $5,109
Hawaii $907 $1,265 $939
Idaho $1,585 $2,142 $2,559
Illinois $1,679 $2,548 $2,882
Indiana $1,716 $2,642 $2,971
Iowa $1,375 $1,862 $2,192
Kansas $1,827 $2,630 $3,092
Kentucky $2,639 $3,841 $4,541
Louisiana $3,355 $5,066 $5,505
Maine $1,276 $1,756 $2,596
Maryland $2,073 $2,993 $3,341
Massachusetts $1,645 $2,899 $1,656
Michigan $3,976 $6,071 $9,573
Minnesota $1,624 $2,181 $3,093
Mississippi $2,001 $2,837 $2,859
Missouri $1,854 $2,663 $3,522
Montana $1,893 $2,635 $3,067
Nebraska $1,590 $2,384 $2,561
Nevada $2,632 $3,940 $4,139
New Hampshire $1,858 $2,899 $3,660
New Jersey $2,033 $3,164 $4,180
New Mexico $2,065 $3,071 $3,181
New York $1,899 $2,406 $4,023
North Carolina $1,198 $2,027 $1,472
North Dakota $1,622 $2,470 $2,944
Ohio $1,462 $2,220 $2,281
Oklahoma $2,332 $3,322 $3,749
Oregon $2,111 $2,839 $3,383
Pennsylvania $1,774 $2,612 $3,068
Rhode Island $2,946 $4,327 $4,907
South Carolina $2,032 $2,802 $3,842
South Dakota $1,810 $2,582 $3,021
Tennessee $2,110 $3,121 $4,164
Texas $2,158 $3,073 $3,851
Utah $1,802 $2,551 $3,501
Vermont $1,407 $2,159 $2,275
Virginia $1,319 $2,040 $1,967
Washington $1,766 $2,372 $2,843
West Virginia $1,761 $2,530 $3,138
Wisconsin $1,765 $2,753 $3,140
Wyoming $1,624 $2,274 $2,439
Georgia $2,285 $3,442 $3,492

FAQs

Who has the cheapest car insurance for a RAM 3500?

Nationwide has the cheapest car insurance for the RAM 3500 for the model 2023.

Which company offers the best car insurance for a RAM 3500?

Based on a combination of having the lowest rates, comprehensive coverage, and top-rated customer service, we believe Nationwide offers the best car insurance for a RAM 3500.

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