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

• Insurance rates for a Ram 3500 pickup truck average $2,402 per year or around $200 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 $1,962 per year.
• The 3500 Limited Longhorn Mega Cab 4WD is the most expensive to insure at $2,652 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 $2,402 annually for full coverage, or around $200 if paid each month. With the average heavy duty truck costing $2,182 a year to insure, the Ram Truck 3500 may cost around $220 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.

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

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

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 $377 per year when compared to a decent credit rating of 670-739. Conversely, a weaker credit score could cost up to $437 more per year.
• Insurance for teenage drivers is expensive. Average rates for Ram 3500 car insurance costs $8,673 per year for a 16-year-old driver, $8,390 per year for a 17-year-old driver, $7,498 per year for an 18-year-old driver, and $6,826 per year for a 19-year-old driver.
• Fewer accidents saves money. Having at-fault accidents will cost you more, possibly by an extra $3,480 per year for a 20-year-old driver and as much as $1,014 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 $646 per year. Serious misdemeanor violations like DUI or reckless driving could raise rates by an additional $2,260 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 ($2,402 per year) and a 20-year-old driver ($4,866 per year) is $2,464, 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 $72 and $185 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 $316 more per year than the Chevrolet Silverado HD 2500, $372 more than the Chevrolet Silverado HD 3500, and $122 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 $2,402 per year for full coverage car insurance and the class average policy cost is $2,182 per year, a difference of $220 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.