2013 Ram Truck Car Insurance Calculator

Gain insights into how different driver and vehicle factors impact the insurance cost for a 2013 Ram Truck. Play around with factors like your location, homeowner status, credit score, and policy coverages. Get instant feedback if the option you change results in higher or lower rates and learn why.

The average estimated car insurance premium for a 2013 Ram Truck is $1,632 per year, or about $136 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

$1,632

Cost Per Month

$136

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 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.

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.

$1,632
Average Rate
Your Rate
$1,632

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 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 is $1,632.

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 vs. the Large Truck Segment

The table below compares insurance rates for the 2013 Ram Truck against all other models in the large truck segment. The Ram Truck 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, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Ram Truck.

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

2013 Ram Truck Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Ram Tradesman$1,214-$418
2Ford F150$1,460-$172
2013 Large Truck Average$1,520-$112
3Chevrolet Silverado$1,526-$106
4Chevrolet Avalanche$1,564-$68
5GMC Sierra$1,578-$54
6Nissan Titan$1,582-$50
7Toyota Tundra$1,600-$32
8Ram Truck$1,632--

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 Insurance Rates by Trim Level

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

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 Insurance Rates by Trim Level
2013 Ram Truck Trim Level Annual Premium Cost Per Month
Tradesman 4WD$1,478$123
ST 2WD$1,482$124
Tradesman 2WD$1,482$124
Express 4WD$1,518$127
Express 2WD$1,522$127
Crew Cab Tradesman 4WD$1,556$130
Quad Cab Express 4WD$1,556$130
Quad Cab Tradesman 4WD$1,556$130
SLT 4WD$1,556$130
Quad Cab Tradesman 2WD$1,562$130
SLT 2WD$1,562$130
Crew Cab Express 4WD$1,596$133
Quad Cab SLT 4WD$1,596$133
Sport 4WD$1,596$133
Crew Cab Tradesman 2WD$1,602$134
HFE 2WD$1,602$134
Quad Cab Express 2WD$1,602$134
Crew Cab Big Horn 4WD$1,636$136
Crew Cab Lone Star 4WD$1,636$136
Crew Cab Outdoorsman 4WD$1,636$136
Crew Cab SLT 4WD$1,636$136
Quad Cab Big Horn 4WD$1,636$136
Quad Cab Lone Star 4WD$1,636$136
Quad Cab Outdoorsman 4WD$1,636$136
Quad Cab Sport 4WD$1,636$136
Crew Cab Express 2WD$1,642$137
Quad Cab SLT 2WD$1,642$137
R/T 2WD$1,642$137
Crew Cab Laramie 4WD$1,678$140
Crew Cab Sport 4WD$1,678$140
Quad Cab Laramie 4WD$1,678$140
Crew Cab Big Horn 2WD$1,682$140
Crew Cab Lone Star 2WD$1,682$140
Crew Cab SLT 2WD$1,682$140
Quad Cab Big Horn 2WD$1,682$140
Quad Cab Lone Star 2WD$1,682$140
Quad Cab Outdoorsman 2WD$1,682$140
Crew Cab Laramie Longhorn 4WD$1,718$143
Crew Cab Outdoorsman 2WD$1,722$144
Crew Cab Sport 2WD$1,722$144
Quad Cab Laramie 2WD$1,722$144
Quad Cab Sport 2WD$1,722$144
Crew Cab Laramie 2WD$1,762$147
Crew Cab Laramie Longhorn 2WD$1,762$147

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 for different driver ages.

2013 Ram Truck Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,085$507
17$5,786$482
18$4,978$415
19$4,614$385
20$3,484$290
21$3,323$277
22$2,942$245
23$2,493$208
24$2,323$194
25$1,882$157
30$1,718$143
35$1,684$140
40$1,632$136
45$1,542$129
50$1,472$123
55$1,370$114
60$1,372$114
65$1,460$122
70$1,616$135
75$1,952$163
80$2,412$201

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 trim levels.