2023 Ram Truck 3500 Car Insurance Calculator

Monitor in real-time how changes to different risk factors affect the cost of insurance for a 2023 Ram Truck 3500. Experiment with factors like annual miles driven, vehicle usage, driver gender, and your marital status. Find out instantly the impact of your choices on the cost of insurance.

The average estimated car insurance premium for a 2023 Ram Truck 3500 is $2,790 per year, or about $233 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

$2,790

Cost Per Month

$233

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 2023 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.

$2,790
Average Rate
Your Rate
$2,790

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 2023 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 2023 Ram Truck 3500 is $2,790.

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.

2023 Ram Truck 3500 Segment Comparison

The table below compares insurance rates for the 2023 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.

2023 Ram Truck 3500 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1GMC Sierra 2500 HD$2,326-$464
2GMC Sierra 3500$2,400-$390
3Chevrolet Silverado HD 2500$2,494-$296
4Chevrolet Silverado HD 3500$2,500-$290
5Nissan Titan XD$2,546-$244
6Ram Truck 2500$2,578-$212
2023 Heavy Duty Truck Average$2,614-$176
7Ford F350 Super Duty$2,716-$74
8Ford F250 Super Duty$2,750-$40
9Ram Truck 3500$2,790--
10Ford F450 Super Duty$3,044$254

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.

2023 Truck 3500 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 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.

2023 Ram Truck 3500 Insurance Rates by Trim Level
2023 Ram Truck 3500 Trim Level Annual Premium Cost Per Month
Tradesman Regular Cab 2WD$2,276$190
Tradesman Crew Cab 2WD$2,352$196
Big Horn Regular Cab 2WD$2,366$197
Big Horn Crew Cab 2WD$2,448$204
Laramie Crew Cab 2WD$2,550$213
Limited Longhorn Crew Cab 2WD$2,640$220
Limited Crew Cab 2WD$2,688$224
Tradesman Regular Cab 4WD$2,770$231
Tradesman Crew Cab 4WD$2,836$236
Big Horn Regular Cab 4WD$2,848$237
Big Horn Crew Cab 4WD$2,922$244
Big Horn Mega Cab 4WD$2,946$246
Laramie Crew Cab 4WD$3,018$252
Laramie Mega Cab 4WD$3,032$253
Limited Longhorn Crew Cab 4WD$3,100$258
Limited Longhorn Mega Cab 4WD$3,112$259
Limited Crew Cab 4WD$3,144$262
Limited Mega Cab 4WD$3,156$263

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 2023 Ram Truck 3500 for different driver ages.

2023 Ram Truck 3500 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$10,159$847
17$9,836$820
18$8,793$733
19$7,993$666
20$6,098$508
21$5,811$484
22$5,189$432
23$4,243$354
24$4,012$334
25$3,246$271
30$2,972$248
35$2,866$239
40$2,790$233
45$2,608$217
50$2,472$206
55$2,306$192
60$2,314$193
65$2,476$206
70$2,686$224
75$3,178$265
80$3,942$329

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.