Insurance Rates for a Ram Truck 3500: Cost, Insights, and Savings

We compared insurance rates for the Tradesman Regular Cab 2WD trim level up to the more expensive Limited Longhorn Mega Cab 4WD model to discover how Ram 3500 insurance cost sizes up to the competition.

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  • Insurance rates for a Ram 3500 pickup truck average $2,964 per year or around $247 per month.
  • The 3500 ranks ninth out of 10 vehicles in the heavy duty truck class for car insurance affordability.
  • The cheapest Ram 3500 model to insure is the Tradesman Regular Cab 2WD model costing an average of $2,424 per year.
  • The 3500 Limited Longhorn Mega Cab 4WD is the most expensive to insure at $3,270 per year.

How much does Ram 3500 car insurance cost?

Ranked ninth out of 10 vehicles in the heavy duty truck class, Ram 3500 truck insurance averages around $2,964 annually for full coverage, or around $247 if paid each month. With the average heavy duty truck costing $2,694 a year to insure, the Ram Truck 3500 may cost around $270 or more on an annual basis.

The next chart illustrates average insurance cost on a 2024 Ram 3500 heavy duty truck rated for different driver ages and risk profiles.

Average 2024 Ram Truck 3500 insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2024 Ram Truck 3500 insurance premiums for different driver ages and risk scenarios. Rates updated on June 26, 2025.

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Data Methodology: Average rates are for a 2024 model year Ram Truck 3500 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Ram Truck 3500 trim levels.

2024 Ram Truck 3500 Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,860$572
Safe Driver Age 20$6,002$500
At-fault Accidents Age 40$4,218$352
Low Deductibles Age 40$3,862$322
Safe Driver Age 30$3,158$263
Safe Driver Age 40$2,964$247
Safe Driver Age 50$2,628$219
High Deductibles Age 40$2,504$209
Safe Driver Age 60$2,460$205
Discount Rate Age 40$2,456$205

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ram Truck 3500 trim levels. Updated June 26, 2025

The data table below details average car insurance policy costs for a Ram 3500 for the 2013-2024 model years.

Ram Truck 3500 Insurance Cost for 2013-2024 Models
Model Year and Vehicle Annual Premium Cost Per Month
2024 Ram Truck 3500$2,964$247
2023 Ram Truck 3500$2,790$233
2022 Ram Truck 3500$2,874$240
2021 Ram Truck 3500$2,630$219
2020 Ram Truck 3500$2,556$213
2019 Ram Truck 3500$2,482$207
2018 Ram Truck 3500$2,356$196
2017 Ram Truck 3500$2,310$193
2016 Ram Truck 3500$2,108$176
2015 Ram Truck 3500$1,966$164
2014 Ram Truck 3500$1,870$156
2013 Ram Truck 3500$1,946$162

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 Ram Truck 3500 trim levels for each model year. Updated June 27, 2025

Average annual premium and cost per month to insure 2013 to 2024 Ram Truck 3500 models
Average annual premium and cost per month to insure 2013 to 2024 Ram Truck 3500 models

The table below details annual and semi-annual policy costs, including a monthly amount for budgeting, for each Ram 3500 model and trim level.

2024 Ram Truck 3500 Insurance Rates by Trim Level
2024 Ram Truck 3500 Trim Level Annual Premium Cost Per Month
Tradesman Regular Cab 2WD$2,424$202
Tradesman Crew Cab 2WD$2,502$209
Big Horn Regular Cab 2WD$2,710$226
Big Horn Crew Cab 2WD$2,764$230
Tradesman Regular Cab 4WD$2,812$234
Laramie Crew Cab 2WD$2,842$237
Tradesman Crew Cab 4WD$2,882$240
Big Horn Crew Cab 4WD$3,120$260
Laramie Crew Cab 4WD$3,196$266
Laramie Mega Cab 4WD$3,210$268
Limited Longhorn Crew Cab 4WD$3,260$272
Limited Crew Cab 4WD$3,260$272
Limited Mega Cab 4WD$3,266$272
Limited Longhorn Mega Cab 4WD$3,270$273

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. Updated June 26, 2025

Insurance cost by trim level for a 2024 Ram Truck 3500 ranging from the Tradesman Regular Cab 2WD model at $2,424 per year to the Limited Longhorn Mega Cab 4WD model at $3,270
Insurance cost by trim level for a 2024 Ram Truck 3500 ranging from the Tradesman Regular Cab 2WD model at $2,424 per year to the Limited Longhorn Mega Cab 4WD model at $3,270

Additional rates and truck insurance scenarios

Some other relevant data insights about Ram 3500 pickup insurance rates include:

  • Great credit can mean great car insurance rates. Drivers with high 800+ credit scores could save $465 per year when compared to a decent credit rating of 670-739. Conversely, a weaker credit score could cost up to $539 more per year.
  • Insurance for teenage drivers is expensive. Average rates for Ram 3500 car insurance costs $10,698 per year for a 16-year-old driver, $10,354 per year for a 17-year-old driver, $9,249 per year for an 18-year-old driver, and $8,423 per year for a 19-year-old driver.
  • Fewer accidents saves money. Having at-fault accidents will cost you more, possibly by an extra $4,292 per year for a 20-year-old driver and as much as $1,254 per year for a 40-year-old driver.
  • A good driving record pays dividends. If you want to pay the most reasonable price on Ram 3500 truck insurance rates, it pays to not be an aggressive driver. Just one or two speeding tickets have the potential to increase policy rates by at least $798 per year. Serious misdemeanor violations like DUI or reckless driving could raise rates by an additional $2,788 or more.
  • More mature drivers get better rates than young drivers. The difference in insurance rates for a Ram 3500 pickup between a 40-year-old driver ($2,964 per year) and a 20-year-old driver ($6,002 per year) is $3,038, or a savings of 67.8%.
  • Your employment could lower your rates. Many car insurance companies offer policy discounts for being employed in occupations like high school and elementary teachers, accountants, emergency medical technicians, lawyers, dentists, firefighters, and other. If you can get this discount applied to your policy, you may save between $89 and $228 on your annual insurance bill, depending on your age.

Is Ram 3500 truck insurance expensive?

When compared directly to other heavy duty truck models, insurance rates for a Ram 3500 pickup cost $392 more per year than the Chevrolet Silverado HD 2500, $460 more than the Chevrolet Silverado HD 3500, and $148 more than the Ford F250 Super Duty.

The heavy duty Ram truck ranks ninth out of 10 total comparison vehicles in the heavy duty truck class for car insurance affordability. The Truck 3500 costs an average of $2,964 per year for full coverage car insurance and the class average policy cost is $2,694 per year, a difference of $270 per year.

The next table shows how average car insurance cost on a Ram 3500 pickup compares to other heavy duty trucks in America like the Ford F350 Super Duty, GMC Sierra 2500 HD, and the GMC Sierra 3500.

Insurance Cost Comparison: Ram Truck 3500 vs Heavy Duty Trucks
Rank Make and Model Annual Premium Difference
1GMC Sierra 2500 HD$2,384-$580
2GMC Sierra 3500$2,482-$482
3Chevrolet Silverado HD 3500$2,504-$460
4Chevrolet Silverado HD 2500$2,572-$392
5Nissan Titan XD$2,590-$374
6Ford F450 Super Duty$2,802-$162
7Ford F250 Super Duty$2,816-$148
8Ford F350 Super Duty$2,836-$128
9Ram Truck 3500$2,964--
10Ram Truck 2500$2,988$24

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 vehicle from the 2024 model year. Updated June 27, 2025

At $2,964 per year, insurance cost for a 2024 Ram Truck 3500 ranks ninth out of 10 models in the heavy duty truck segment
At $2,964 per year, insurance cost for a 2024 Ram Truck 3500 ranks ninth out of 10 models in the heavy duty truck segment