2013 Ram Truck 3500 Car Insurance Calculator

Discover how changing risk factors impact the cost of insurance for a 2013 Ram Truck 3500. Ajust options like policy discounts, vehicle trim level, and driving violations to see how insurance rates are affected. See instantly how the rate changes based on your selections and learn why rates increased or decreased.

The average estimated car insurance premium for a 2013 Ram Truck 3500 is $1,946 per year, or about $162 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,946

Cost Per Month

$162

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Ram Truck 3500 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2013 Ram Truck 3500.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,946
Average Rate
Your Rate
$1,946

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2013 Ram Truck 3500 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2013 Ram Truck 3500 is $1,946.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2013 Ram Truck 3500 Segment Comparison

The table below compares insurance rates for the 2013 Ram Truck 3500 against all other models in the heavy duty truck segment. The Ram Truck 3500 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Ram Truck 3500, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Ram Truck 3500.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2013 Ram Truck 3500 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1GMC Sierra 2500 HD$1,550-$396
2Chevrolet Silverado HD 2500$1,568-$378
3Ram Truck 2500$1,676-$270
2013 Heavy Duty Truck Average$1,768-$178
4Ford F250 Super Duty$1,776-$170
5Ford F450 Super Duty$1,794-$152
6GMC Sierra 3500$1,834-$112
7Chevrolet Silverado HD 3500$1,864-$82
8Ford F350 Super Duty$1,908-$38
9Ram Truck 3500$1,946--

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2013 Truck 3500 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2013 Ram Truck 3500.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2013 Ram Truck 3500 Insurance Rates by Trim Level
2013 Ram Truck 3500 Trim Level Annual Premium Cost Per Month
ST 4WD$1,734$145
Crew Cab ST 4WD$1,774$148
SLT 4WD$1,774$148
Crew Cab SLT 4WD$1,814$151
Mega Cab SLT 4WD$1,814$151
SLT 4WD Turbo Diesel$1,814$151
ST 4WD Turbo Diesel$1,814$151
ST 2WD$1,842$154
Crew Cab Laramie 4WD$1,880$157
Crew Cab SLT 4WD Turbo Diesel$1,880$157
Crew Cab ST 4WD Turbo Diesel$1,880$157
Crew Cab Tradesman 4WD$1,880$157
Mega Cab Laramie 4WD$1,880$157
Crew Cab ST 2WD$1,920$160
SLT 2WD$1,920$160
Crew Cab Laramie Longhorn 4WD$1,922$160
Crew Cab Tradesman 4WD Turbo Diesel$1,922$160
Mega Cab Laramie Longhorn 4WD$1,922$160
Mega Cab SLT 4WD Turbo Diesel$1,922$160
Crew Cab Laramie 4WD Turbo Diesel$1,960$163
Mega Cab Laramie 4WD Turbo Diesel$1,960$163
Crew Cab SLT 2WD$1,962$164
Crew Cab Tradesman 2WD$1,962$164
Mega Cab SLT 2WD$1,962$164
ST 2WD Turbo Diesel$1,962$164
Crew Cab Laramie Longhorn 4WD Turbo Diesel$1,986$166
Mega Cab Laramie Longhorn 4WD Turbo Diesel$1,986$166
Crew Cab Laramie 2WD$2,002$167
Crew Cab ST 2WD Turbo Diesel$2,002$167
SLT 2WD Turbo Diesel$2,002$167
Crew Cab Tradesman 2WD Turbo Diesel$2,020$168
Crew Cab SLT 2WD Turbo Diesel$2,042$170
Mega Cab Laramie 2WD$2,042$170
Mega Cab SLT 2WD Turbo Diesel$2,042$170
Crew Cab Laramie Longhorn 2WD$2,068$172
Crew Cab Laramie 2WD Turbo Diesel$2,080$173
Mega Cab Laramie 2WD Turbo Diesel$2,080$173
Mega Cab Laramie Longhorn 2WD$2,080$173
Crew Cab Laramie Longhorn 2WD Turbo Diesel$2,120$177
Mega Cab Laramie Longhorn 2WD Turbo Diesel$2,120$177

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2013 Ram Truck 3500 for different driver ages.

2013 Ram Truck 3500 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,358$613
17$7,004$584
18$6,038$503
19$5,579$465
20$4,204$350
21$4,004$334
22$3,543$295
23$2,979$248
24$2,784$232
25$2,250$188
30$2,050$171
35$2,006$167
40$1,946$162
45$1,838$153
50$1,752$146
55$1,636$136
60$1,638$137
65$1,744$145
70$1,936$161
75$2,346$196
80$2,910$243

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Ram Truck 3500 trim levels.