2021 Ram Truck 3500 Car Insurance Calculator

Understand how changes to driver risk factors and vehicle options influence insurance rates for a 2021 Ram Truck 3500. Experiment with rate factors like liability limits, policy deductibles, and driver age to see how insurance rates are affected. Immediately discover if your change increases or decreases premiums and why.

The average estimated car insurance premium for a 2021 Ram Truck 3500 is $2,630 per year, or about $219 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

$2,630

Cost Per Month

$219

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 2021 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.

$2,630
Average Rate
Your Rate
$2,630

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 2021 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 2021 Ram Truck 3500 is $2,630.

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.

2021 Ram Truck 3500 Segment Comparison

The table below compares insurance rates for the 2021 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.

2021 Ram Truck 3500 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Chevrolet Silverado HD 3500$2,352-$278
2Nissan Titan XD$2,358-$272
3GMC Sierra 2500 HD$2,450-$180
4Chevrolet Silverado HD 2500$2,460-$170
2021 Heavy Duty Truck Average$2,501-$129
5GMC Sierra 3500$2,522-$108
6Ford F350 Super Duty$2,530-$100
7Ford F250 Super Duty$2,542-$88
8Ram Truck 2500$2,546-$84
9Ford F450 Super Duty$2,622-$8
10Ram Truck 3500$2,630--

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.

2021 Truck 3500 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 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.

2021 Ram Truck 3500 Insurance Rates by Trim Level
2021 Ram Truck 3500 Trim Level Annual Premium Cost Per Month
Tradesman 2WD$2,292$191
Big Horn 2WD$2,358$197
Crew Cab Tradesman 2WD$2,376$198
Crew Cab Big Horn 2WD$2,422$202
Tradesman 4WD$2,538$212
Crew Cab Laramie 2WD$2,596$216
Big Horn 4WD$2,602$217
Crew Cab Tradesman 4WD$2,602$217
Crew Cab Longhorn 2WD$2,660$222
Crew Cab Big Horn 4WD$2,666$222
Mega Cab Big Horn 4WD$2,666$222
Crew Cab Limited 2WD$2,678$223
Crew Cab Laramie 4WD$2,698$225
Mega Cab Laramie 4WD$2,732$228
Crew Cab Longhorn 4WD$2,840$237
Mega Cab Longhorn 4WD$2,840$237
Crew Cab Limited 4WD$2,906$242
Mega Cab Limited 4WD$2,906$242

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 2021 Ram Truck 3500 for different driver ages.

2021 Ram Truck 3500 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,800$817
17$9,442$787
18$8,351$696
19$7,620$635
20$5,780$482
21$5,504$459
22$4,901$408
23$4,021$335
24$3,793$316
25$3,062$255
30$2,796$233
35$2,704$225
40$2,630$219
45$2,468$206
50$2,342$195
55$2,188$182
60$2,194$183
65$2,350$196
70$2,568$214
75$3,066$256
80$3,820$318

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.