Ram 3500 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Ram 3500 is more expensive to insure than the average truck.
• Full coverage for a 3500 generally comes in at around $157 a month, while liability only car insurance premiums tend to be about $66.
• Amica provides the lowest average premiums for a 3500 with liability only coverage offered for as little as just $45 monthly.

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3500 Overview

With a base price of just $39,325 for 2022 models, the Ram 3500 is a great budget-friendly option for any driver. There's a 3500 for every driver, with your choice of five different trim options.

We analyzed thousands of insurance quotes on Compare.com, and we've found that average Ram 3500 auto insurance prices run around $141 per month. But how does that compare to other vehicles on the market?

How Much is Car Insurance for a Ram 3500?

You can see in the table above that when you compare the Ram 3500 to other vehicles, insurance rates are right about average. On average, 3500 drivers can expect to pay around $157 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $66 monthly for liability only insurance (check out our guide, "State Minimum vs. Full Coverage", to learn more about these different types of insurance).

Compared to other models, the 3500 is slightly cheaper, with premiums about 7% lower than other vehicles in Ram's lineup. But 3500 coverage runs close to average when compared to other vehicles of a similar body style, with full coverage insurance prices coming in at $10 higher than other trucks and liability insurance rates at $4 cheaper.

The Ram 3500 also has average premiums when comparing it to vehicles of any body type, no matter what make, model, or body style they are.

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Who has the Cheapest Car Insurance for a Ram 3500?

Are you looking for a car insurance policy for your Ram 3500? You might want to know which carrier offers the most affordable rates. While there will never be one company that offers the cheapest rates for everyone, the lowest average rates for liability only insurance are sometimes just $38 a month from Esurance. The next most affordable carrier is SafeAuto, who offers car insurance sometimes as cheap as $40 a month.

Amica, Commonwealth Casualty, and Safeco round out the rest of the top 5 list. But just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Car insurance carriers take a range of things into consideration when calculating monthly rates. The only way to guarantee you'll find the cheapest rates is to compare quotes from many auto insurance companies.

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What Factors Affect Car Insurance Rates for a Ram 3500?

There are a multitude of factors that insurance carriers take into account to choose how much to charge you for car insurance -- and every company weighs different variables more heavily than others, so there's not a singular carrier that's the most affordable for each 3500 owner.

The following sections show a wide array of variables auto insurance companies use to determine rates:

Vehicle Age

The Ram 3500 has been around for a while, so vehicle age may make a difference in what you end up paying for insurance. Generally, it costs less to insure older cars because they're worth less than newer models, and as cars age, insurance costs will gradually decrease.

Based on the information in the above table, the Ram 3500 is in line with this trend, as the most expensive models to insure are those that are 1 year old or less, while on average, the cheapest models are 3500s that are 2 to 3 years old.

Your Age

Your age is another variable that makes a big difference in how much auto insurance carriers will charge you for a policy. In the table above, you'll see that drivers with more experience on the road have cheaper rates compared to young drivers. Ram 3500 drivers between 18 and 24 actually pay $45 more than those 25 or older.

Auto insurance prices continue to go lower as you get older, with drivers aged 55-64 making up the cheapest age group for the 3500.

Your Gender

Because women are less likely to get into collisions and get tickets, they have a decreased chance of filing a claim with insurance. When it comes to 3500 drivers specifically, men pay around 58% more than women monthly for insurance. However, due to the limited amount of 3500 data, this pricing may not be representative of the prices you may see.

Where You Live

You may think it's obvious that factors such as what vehicle you drive and how old you are play a role in your car insurance premiums, but you may not realize that where you live can have just as much as an impact. Since insurance is regulated on the state level and not nationally, rates can differ quite a bit from state to state.

For example, Georgia has rates for 3500 owners that are more expensive than other states.

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Ram 3500 Car Insurance Discounts

Regardless of your age, your home state, or your car, it's always the smart move to take advantage of as many car insurance discounts as possible when shopping around for a policy.

While no two auto insurance companies offer the same exact discounts, there are a few different ones that you'll find with most carriers. These include discounts like:

• Multi-car discounts for adding more than one vehicle to your auto policy
• Pay-in-full discounts for drivers who choose to pay their entire policy premium up front, rather than in monthly installments
• Defensive driving discounts for taking a defensive driving class from a certified school or institution
• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like air bags or anti-lock brakes)

While taking advantage of discounts is always a smart way to save money on your insurance, some of the best ways to save are just by having a positive insurance profile and good driving record.

Of course, you can't control every single aspect of your car insurance profile (like some of the pieces we mentioned above), but there is quite a bit that you do have control over. Below are just a few of the ones you can use to your favor in order to save on auto insurance:

Your Driving Record

It's no secret that car insurance companies offer the lowest prices to drivers with a history of responsible driving. It makes sense that your auto insurance rates will get higher if you get a speeding ticket or get into an accident. But you're probably wondering exactly how much these infractions will cost you.

As you can tell from the table above, accidents will usually cost 3500 drivers more than tickets, but both will cause a significant increase in rates. The rates only go higher the more accidents you have or tickets you get.

How Much You Drive

The total amount of miles you drive plays a role when it comes to your insurance prices. Those who drive less often are less likely to get into accidents, so they'll normally get more affordable premiums.

If you don't use your Ram 3500 that often, you might consider a usage-based or pay-per-mile auto insurance policy. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Ram 3500s Compare to Other Vehicles?

If you're considering making a Ram 3500 your next purchase, it can pay off to do your due diligence. Insurance is just one cost that comes with buying a new car, but it's definitely one that's worth thinking about carefully.

Visit the table below to see how the Ram 3500 compares:

As you can see, the Ram 3500 is right on par with the average vehicle price here in the U.S. The 3500's $46,192 base MSRP is right on trend with the national average of $39,325.

Full coverage insurance for a Ram 3500 is about $87 per month more than average, while liability only coverage is per month.

When it comes to usage, Ram 3500 drivers are much higher than the national average in annual miles driven, with 11,617 miles a year for all vehicles compared to the 3500's 22,337 per year.

Ram 3500 Car Insurance Costs by Model Year

We've gone over many of the variables that can have an impact on how much the average driver pays for insurance. If you're considering buying a new 3500, knowing what you can expect to pay can be extremely helpful as you weigh your options and compare it to other vehicles on your shortlist.

Choose Your Model

2021 Ram 3500 Car Insurance 2019 Ram 3500 Car Insurance 2018 Ram 3500 Car Insurance 2017 Ram 3500 Car Insurance 2016 Ram 3500 Car Insurance 2015 Ram 3500 Car Insurance 2014 Ram 3500 Car Insurance

2021 Ram 3500 Car Insurance

It costs around $74 monthly for liability or $123 for a full coverage policy for the 2021 3500.

If you're looking for the lowest possible 2021 Ram 3500 insurance policy, DirectGeneral offered the cheapest policy we found, with rates as low as just $25 per month.

Want to find the best rates? Just enter your ZIP code below to get several free personalized quotes.

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2019 Ram 3500 Car Insurance

On average, drivers who own a 2019 Ram 3500 can expect to pay $40 to $183 a month for liability only and full coverage auto insurance, respectively.

We found SafeAuto offered the most affordable policy, with rates as little as $40 monthly.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2018 Ram 3500 Car Insurance

The average cost to insure a 2018 3500 with liability only coverage is $64 per month, while full coverage runs about $135 a month.

Commonwealth Casualty offered the lowest policy we found, with rates sometimes as little as $42 per month.

While these are good estimates of what the average driver might pay to insure a 2018 Ram 3500, these premiums might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2017 Ram 3500 Car Insurance

You can expect full coverage for a 2017 Ram 3500 to run around $148 a month, while liability only coverage will average about $63 monthly.

Dairyland has rates sometimes as low as $33 a month for the 2017 Ram 3500.

What could your car insurance price look like? Get lots of personalized quotes for free by just entering your ZIP code below.

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2016 Ram 3500 Car Insurance

2016 3500 drivers can expect to pay an average of $46 monthly for liability or $135 for full coverage.

Looking for the cheapest policy? NationalGeneral offered liability only coverage for as cheap as just $39 per month.

If you want to know exactly how much you can expect to pay for your 3500, just enter your ZIP code below and get free quotes in minutes.

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2015 Ram 3500 Car Insurance

On average, drivers who own a 2015 Ram 3500 can expect to pay $44 to $129 a month for liability only and full coverage insurance, respectively.

With prices as low as $38 per month, Clearcover offered the most affordable policy we found for the 2015 Ram 3500.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2014 Ram 3500 Car Insurance

You can expect full coverage for a 2014 3500 to run around $187 monthly, while liability only coverage will average about $82 per month.

With premiums as cheap as $25 monthly, Liberty Mutual offered the lowest policy we found.

Interested in just how much you'll pay? Just enter your ZIP code below to get multiple personalized quotes for free.

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Ram 3500 Insurance FAQs

Is a Ram 3500 expensive to insure?

Liability insurance runs an average of $66 a month, while full coverage will cost you around $157. The Ram 3500 is relatively expensive to insure compared to the average vehicle.

How can I get the best price on car insurance for my Ram 3500?

There's only one way to be confident you're getting the cheapest rates -- checking prices regularly and comparing quotes from a variety of carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a whole range of companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Ram 3500 affect my insurance premiums?

You've probably heard the old adage that it costs more to insure a red car, but that's just a myth. Although there are many things car insurance carriers use when they calculate how much your policy will be, your Ram 3500's color is not used to make that determination.

Do I need to have insurance before I buy a Ram 3500?

You'll need to have a valid insurance policy before you can legally drive your new (or new to you) car off the dealership lot. Some dealerships will offer you one during the purchase process, but it's best to let your auto insurance carrier know beforehand.

What car insurance discounts can I get for my Ram 3500?

You will find lots of different discounts out there for car insurance. Many of them (like "safe driver discounts" and "multi-policy discounts") are based less on your vehicle and more on you, but if your 3500 has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may be eligible for certain discounts. You'll only know about which discounts you qualify for if you talk with your insurance agent and ask about their discounts, since they change quite a bit from carrier to carrier.