RAM 3500 Auto Insurance (Rates + More)

Key Details About the RAM 3500

If you’re looking for the details on Dodge RAM 3500 auto insurance costs, you’re in the right place. Navigating truck insurance can be confusing, and you want your truck covered right and at the best price. We’ll help you feel confident that you aren’t paying too much for your RAM 3500 insurance policy.

We’ve got everything you need to know about owning a RAM — like MSRP, repair costs, cheap car insurance rates, and more. This guide will help you to choose the right automobile insurance and understand your insurance for a RAM 3500.

If you want to start comparing RAM 3500 auto insurance now, just enter your ZIP code in our free tool above.

How much does Dodge RAM 3500 auto insurance cost?

The RAM 3500 pickup is the king of kings in the RAM lineup. But that doesn’t mean you should have to pay the royal price for RAM 3500 auto insurance. So what is the RAM 3500 auto insurance cost?

On average, a RAM 3500 costs $1,180 a year, or $98.33 a month to insure. Of course, that depends on a lot of factors Your insurance company charges you the premiums they do based upon one very important thing: risk.

Many of the factors that affect auto insurance premiums have to do with you as a driver, but where you live matters, too. If you live in a location where accidents are common or claims are filed frequently, that increases your risk as well as your insurance rates.

If you live in a city with low crime rates, moderate traffic, and well-maintained roads, that lowers your risk of needing to file a claim, which makes your insurance provider feel comfortable charging you less.

So the more you know about your area and your likelihood of getting into an accident, the easier it will be for you to negotiate a fair monthly premium. As much as everyone wants to pay as little as possible for their auto insurance premiums, the old mantra “you get what you pay for,” is very relevant to the auto insurance industry.

Lots of questionably reputable companies like to lure in business by charging dirt-cheap premiums, but they leave you high and dry when you need them the most.

Reliable providers with excellent customer service and a solid reputation for honoring claims are usually pricier — but it may be worth it if reliability means a great deal to you. Speaking of filing claims, a claim-heavy history on your driving record will usually result in substantially higher monthly premiums.

Unfortunately, it can take time (usually somewhere between three to five years) before your current insurance provider will no longer factor previous claims in when calculating your premium.

You may also try to avoid insurance rate spikes by taking care of any minor damage out-of-pocket before filing a claim with your insurance provider. Before we move on, take a look at a couple of the other pickups in RAM’s heavy-duty truck line:

• Compare to Cheap Auto Insurance for RAM 1500 insurance cost
• Compare to Cheap Auto Insurance for  RAM 2500 insurance cost

Now, let’s move on to the details of RAM insurance.

Read more: Dodge Ram Auto Insurance Rates

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How does the frequency of claims filed on the car affect the Dodge RAM 3500 auto insurance cost?

Let’s look at the claim frequency for passenger vehicles. This data is pulled from the Insurance Information Institute for pickups from 2016 to 2018. frequency of collision claims for pickups

These numbers show how often claims are made on pickups versus the average for all vehicles.

Pickups have a collision claims rate of 6.2 claims per 100 vehicles in a given year.

As you can see in the table above, pickups actually have a lower claim rate than the average passenger vehicle. And though this shows that fewer claims are made on pickups, the payout per claim is a tad higher. Overall, though, pickups have a better frequency of claims than cars. That’s good news when it comes to how insurers decide your insurance costs.

How does the size and class of the car affect the Dodge RAM 3500 auto insurance cost?

Like all pickups, the RAM 3500 gets classified by its weight and carrying capacities, and the pickup’s abilities mean it falls into the very large category. The RAM 3500 is a beast of a truck, capable of towing up to 31,000 pounds with the right equipment or trekking over even the toughest terrain.

To have this capability, it has to be a large, powerful vehicle. With data pulled from the Insurance Institute for Highway Safety, we’ll be using size and class often in this article. So, let’s first look at the other pickups that compare with the RAM 3500.

Pickups in the Same Class as the RAM 3500

There are a lot of other trucks out there, but since they aren’t in the same class, their insurance rates aren’t comparable. Chevy Colorado insurance costs, for example, will differ because it is a mid-size truck and more in line with the 1500.

We’ll be looking at information for the standard RAM 3500 crew cab LWB 4WD unless otherwise noted. Does the size of the RAM 3500 affect how safe it is? There are several factors. Think about it: the bigger the vehicle, the more metal and safety features are between you and the collision.

If you’re t-boned at an intersection, a larger vehicle can spread out the force of the impact before it gets to you. With a larger vehicle usually comes more weight. Weight also affects how safe the pickup is in a collision. The heavier vehicle in a collision is going to get pushed around less from the energy of a collision than the lighter vehicle that’s involved. What’s the bottom line here?

The larger the vehicle, the lower the fatality rate.

If you have more steel cushion between you and the impact, you’re more likely to walk away from a car crash. Liability laws change based on where you live, with each state deciding what its own requirements will be. Consulting with a truck accident attorney may be a way to shed more light on the laws and legalities where you live.

Most states require at least a minimum auto insurance requirements. Bodily injury insurance is one of two types of liability insurance, and it covers the other person’s injuries in the event that you are found at fault in a car accident. If the other driver winds up in the hospital, bodily injury liability can keep you from having to pay those medical bills out-of-pocket.

You can search the table below to see where the vehicles within the RAM 3500’s size and class fall for insurance losses. Bodily injury liability losses represent only how frequently claims are made for a vehicle.

bodily injury liability losses- very large pickups 2016-2018

The RAM 3500 is looking pretty good in this category, with losses considered average at 4 percent. How does that show up on your auto insurance bill? We’ve gone to Geico to get an actual quote for a 2019 RAM pickup, based upon a 40-year-old male driver in North Carolina with no accidents on their record

geico quote bodily injury liability

You may want more coverage just in case. Remember, the RAM 3500 is a very large pickup, meaning it can do some serious damage to the other vehicle in a collision. Property damage insurance is the other type of liability coverage. This insurance helps pay for any damage that is incurred to another vehicle or property that occurs during an accident for which you are found at fault.

Let’s look at how the RAM 3500 does against other vehicles in the same category. Property damage losses reflect overall insurance losses, so that includes both how frequently claims are made for this vehicle and how much an insurer had to pay out per claim.

Property Damage Losses for the RAM 3500 and Similar Pickups

At 62 percent, the RAM 3500 isn’t doing so hot. That’s considered substantially above average, and in this case, that’s probably got something to do with how pricey they are to fix in the event an insurer has to pay out a claim. Once again, we have a quote from Geico, assuming the driver is a 40-year-old male driver in North Carolina with no accidents on their record.

geico quote property damage liability ram 3500

You can get four times the bodily liability coverage for just $10 more a year, so why not?

What is the MSRP of the RAM 3500?

First up, what does MSRP stand for?

MSRP stands for Manufacturer Suggested Retail Price. Basically, the sticker price.

After a year or two, the MSRP is no longer very important, as the vehicle will depreciate in value at that time. That’s when you can start to look at the fair market range for what the dealers think is a fair price to charge for older and used vehicles. Let’s see what Kelley Blue Book lists for the last few year models of the RAM 3500 regular cab.

Keep in mind, though, that the RAM 3500’s pricing can vary wildly, depending on the trim levels and which engine you choose. MSRP and fair market range of RAM 3500

Look at how the values go down as the truck gets older. That’s due to depreciation, and it’s important because the value of your truck is one factor that insurers use to determine your auto insurance rates.

Let’s look at the average rates for all RAM 3500 models and trim levels based on the type of coverage.

Insurance rates for a RAM 3500

These rates assume a 40-year-old male with a clean driving record. You’ll see that these rates are for older models up to 2010 and how rates dip as a vehicle ages. Remember that if you’re financing your vehicle, your lender is probably going to require you to have full coverage insurance, which includes both collision and comprehensive. That’s important for many reasons, not the least of which is to cover yourself if you get into a crash.

But, if you fail to get the required coverage, the lender may get what’s called force-placed insurance, which covers them in the event there’s damage to the property you borrowed money for.

You’ll still have to get your own liability if this happens, and you may be considered a high-risk driver for failure to get the appropriate coverage. So, it’s best all-around if you just do it upfront.

How does the MSRP of the RAM 3500 affect collision auto insurance rates?

The value of your vehicle is going to affect your collision insurance rates. What does collision auto insurance cover? By now, you know that liability is there to cover the other driver’s damages in the event of a collision that you are found at fault for. But, liability doesn’t cover your own damages.

If you just bought your pickup, you’re going to want to have collision coverage on it. Even if you bought it outright, without collision insurance, you’ll have to pay for damages to your own car out-of-pocket.

But your insurance probably won’t be cheap. If you end up having to make a claim on your vehicle because of a car wreck, the insurer’s job is to pay for any repairs or replacement. If you have a truck that’s worth a lot of money, they’ll have to pay out a lot to fix it. This is going to be reflected in how much they charge for your auto insurance because the insurer wants to offset that potential cost upfront.

But, how does the MSRP affect that? You can see the relationship below the value of a pickup and its collision rates. Older vehicles have depreciated more, so the rates reflect that.

collision rates ram 3500

What about collision losses? Check out how the RAM 3500 stacks up against others in its size and class below.

collision losses for very large pickups

At 2 percent, the RAM 3500 is sitting firmly into the average category for collisions insurance losses. If you look at all the RAM 3500 models that the IIHS lists, they are all average except for the RAM 3500 4WD, which is above average. That’s good for your wallet, as lower losses make the insurance company more comfortable with charging you lower auto insurance rates.

How does the MSRP of the RAM 3500 affect comprehensive auto insurance rates?

Collision insurance covers your car’s damages in the event you are in a wreck, but it won’t cover damages if, say, a tree limb falls onto your car. So, what does? That’s where comprehensive insurance comes in. It’s there to take care of damage from that tree limb or hitting a deer.

It even protects against damages incurred from a natural disaster or if someone steals your pickup. How does the MSRP affect these rates? Well, it costs more money to fix an expensive vehicle. If you have an old clunker, you might not even want to get full coverage since it might not be worth the money.

But, if you have a RAM 3500, you’ll definitely want it, and it might not be very cheap. Take a look below to see the trend. Older pickups cost less as their value depreciates.

comprehensive rates ram 3500

Essentially, the more expensive your car is, the more expensive your comprehensive coverage will be. That’s just because it is worth more, and parts will cost more if it needs to be repaired. Another thing that plays a role in your prices are the insurance losses. Look below for how the RAM 3500 compares to other very large pickups.

Comprehensive losses for very large pickups

You can see that the RAM 3500s that are listed on this table are all over the place in their losses. The RAM 3500 4WD is at an average -13 percent, but the RAM 3500 crew cab LWB is pretty bad, showing a loss that is substantially below average at 107 percent. There could be a number of factors influencing that, but part of it is the length of the truck.

LWB stands for Long Wheel Base, which has longer truck beds. A more physical vehicle can equal greater damages and cost of repair in case of an accident. Expect your auto insurance rates to be higher if you get one.

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What are the theft rates of the RAM 3500?

RAMs are pretty popular vehicles, with the heavy-duty pickups in the line being the seventh-most popular vehicle in the country, according to J.D. Power. With more RAMs out there, there are going to be more stolen. The National Insurance Crime Bureau tracks stolen vehicles in their Hot Wheels report.

It also changes based on where you live.

In 2018, there were 11,226 stolen RAM trucks. To put that number into perspective, that’s 2 percent of the total RAMs sold that year. The number includes all RAMs and all model years, but the most-stolen model year was 2001, with 1,155 stolen.

How do the theft rates of the car affect the Dodge RAM 3500 auto insurance cost?

With so many stolen, insurers are going to take extra precautions. Expect the RAM 3500 to set your comprehensive rates back more than some other trucks. The most-stolen model year is 2001, and that’s not really a coincidence that it’s an older model. With so many trucks out there, it’s easy to make one disappear.

That means raising your rates, especially if you live in a high-risk ZIP code. If you live in an area with high rates of theft and vandalism — unless you live in a state with laws that protect against this — this will show on your bill.

Other Coverage Rates for RAM 3500 Auto Insurance

We’ve gone over all of the major insurance types. You now know about liability, collision, and comprehensive auto insurance. What else is there?

How do safety ratings of the RAM 3500 affect Personal Injury Protection (PIP) car insurance rates?

Well, one other type of insurance is Personal Injury Protection (PIP). Some states require you to have it, but you can add it to any insurance policy. PIP is there to cover medical bills and funeral expenses that could arise from an auto accident — regardless of who is found at fault. You’ll be glad to have it once you are facing lost wages or homecare costs from an accident, as well.

RAM 3500 PIP Insurance Rates Compared to Similar Pickups

PIP losses for the RAM are way better than average. That’s not really surprising since the truck is huge and pretty safe. With that, you’ll have fewer medical and lost-time claims. These losses (and those for MedPay) represent how often claims are made only and do not factor in how much money is paid out per claim.

How do safety ratings of the RAM 3500 affect Med Pay car insurance rates?

PIP is just one add-on you can get to cover your medical bills. You might also consider Medical Payments car insurance coverage.

MedPay is additional insurance you can purchase to help cover your medical expenses. MedPay, unlike PIP, doesn’t typically have a deductible.

If the other person is found liable but their insurance company isn’t paying out because of a fault dispute, MedPay can cover these bills before they really start to pile up. What about the RAM 3500?

MedPay losses for very large pickups

Once again, the RAM 3500 has a great number here. It’s low, showing the same trend as PIP coverage. With the large size of the RAM 3500, there will probably be fewer injuries that need covering.

What are the safety features of the RAM 3500?

Some types of insurance are there to cover medical bills, lost time at work, and even funeral expenses. So, it’s safe to say that insurers like to see a vehicle with lots of safety features. That way, you’ll be more likely to stay safe in a collision and they’re less likely to have to pay out those claims.

Safety features on your vehicle can even help lower your auto insurance.

Let’s look at what features the 2020 RAM 3500 has to keep you safe, courtesy of AutoBlog.

• Anti-lock braking system (ABS): These brakes automatically sense when a wheel stops turning when braking, which then modulates the brake pressure within the tire. This allows the tire to rotate and increases the ability to turn while braking.
• Stability Control: When a vehicle has exceeded its handling limits, this system automatically senses this and reduces the power from the engine. It may also apply certain brakes to help the driver maintain control of the vehicle.
• Front-impact air bags: Airbags in the front for the driver and passenger. These have been designed to protect the head in a head-on crash.
• Side-impact air bags: Airbags that are in the front seats which have been designed to protect the torso during a side-impact crash.
• Overhead air bags: Airbags that are there to protect a driver or passenger’s head in the event of a side-impact crash or rollover.
• Pretensioners: The component of the seatbelt which locked the seatbelt into place when extreme tension is put upon it. This helps keep the occupant in the best position in the event of a crash.
• Security System: An ignition-disabling device that prevents the engine from starting if someone tries with a non-manufacturer key.

Most of these features come standard in modern vehicles, and it’s a good thing, too — they’ve been shown to reduce fatalities and injuries during collisions.

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How does the safety of the RAM 3500 compare to other vehicles with the same size and class?

The RAM 3500 has not been tested by the IIHS or the NHTSA, so we don’t have safety ratings for it. However, we can look at how large pickups do in general, and you can see how that compares to other vehicle types. As the RAM 3500 is classified as “very large,” let’s take a look at the statistics for that vehicle size.

death rates for very large vehicles

The fatality rate was 30 deaths per million people in 2018. The average for all passenger vehicles was higher at 36 per million, which shows that there are fewer fatalities in very large trucks than some other size categories. Car rates drive up the average, as they just aren’t as safe.

Not every part of the pickup is created equal, and it really depends on where the initial impact occurs. If you get t-boned, rear-ended, or have a head-on collision, your chances of walking away from it change based on where that momentum first hit your vehicle. Check out the table below to see how the numbers break down.

Deaths for pickups by impact site

Head-on collisions account for more than half of crash fatalities, regardless of whether the vehicle involved is a car, pickup, or SUV. One interesting thing here is that rollover collisions have a higher fatality rate in pickups than for all passenger vehicles (which includes SUVs and cars).

Vehicle manufacturers are always looking for ways to make their cars safer. For the most part, fatalities are decreasing over time. You can see the trend in the table below.

Death rates for pickups

In the past decade, fatality rates for pickups have decreased by nearly half. It’s certainly a step in the right direction.

How much will it cost to repair my RAM 3500?

According to RepairPal, the annual cost for repairs for a 2017  RAM 3500 is $1,184. This includes scheduled maintenance like oil changes. Here is a break down of maintenance costs for a 2019 RAM, according to AutoBlog.

Maintenance cost- Dodge RAM

Notice how it doesn’t cost much for upkeep in the first year, but it gets way pricier as the years go on. We’ve run a sample estimate from InstantEstimator to see how much it could cost you — or your insurance — if you get t-boned at an intersection.

RAM 3500 Sample Repair Costs

It can get expensive to repair your RAM 3500, but having full coverage can minimize how much comes out of your pocket.

How does the cost of repairs affect the Dodge RAM 3500 auto insurance cost?

If you get hit by an uninsured motorist — and trust us, that’s not unlikely — you may never see the money for your car. Unless you have collision and comprehensive coverages, which can make sure you don’t break the bank. It’s the same deal if a tree limb hits your car or you hit an animal.

Your insurer can cover the damages. Because of high repair costs for your RAM 3500, your rates will be higher for new vehicles and pricier ones. Your car insurer wants to mitigate their risk in insuring you by offsetting what they may have to pay with what they charge you. Also, newer vehicles cost more to fix. Mechanics may not be very familiar with the model, and that means more labor costs.

RAM 3500 Auto Insurance FAQs

There are always a few more things to know about your truck, so we’ve compiled a few frequently asked questions below to help you learn a little more about the RAM 3500.

#1 – Is insurance on diesel trucks more expensive?

As we noted above, the RAM 2500 can come equipped with a diesel engine. Diesel trucks are usually a little more expensive to insure. That’s because they are generally more expensive to buy in the first place, so the cost to fix or replace them is higher, leading to higher insurance rates.

#2 – How much can the RAM 3500 tow?

That depends on which engine your choose for your RAM 3500.

• The 6.4L Hemi® V8 can tow up to 18,210 pounds.
• The 6.7L Cummins® Turbo Diesel 16 engine can tow up to 22,670.
• The 6.7L High Output Cummins Turbo Diesel 16 engine can tow up to 35,100 pounds.

You can go to RAM’s website to see more about the truck’s hauling capabilities.

#3 – What’s the payload of a RAM 3500?

Like the towing limit, the RAM’s payload depends on the engine’s power and trim level.

• The 6.4L Hemi® V8 has the highest max payload of 7,680 pounds.
• The 6.7L Cummins® Turbo Diesel has a max payload of 6,840.
• The 6.7L High Output Cummins Turbo Diesel 16 engine has a max payload of 6,570 pounds.

The pickup’s payload refers to how much can actually be carried within the vehicle, including the truck bed.

#4 – What kind of gas mileage does the RAM 3500 get?

Well, we’re not going to lie to you: it’s not great. Gas mileage for the RAM 3500 depends on how much it’s towing. When you look at the basic Tradesman 4×2 regular cab, AutoBlog calculates you’ll spend somewhere around $2,000 a year on fuel if you’re only driving 10,000 miles annually.

If you get a heavier trim level or a stronger engine, expect that number to go up, and towing something heavy will really eat into your gas budget. But, you don’t get a RAM 3500 for its great gas mileage. You get it for its power and towing capacity.

#5 – What’s the warranty look like for the RAM 3500?

It’s different for gasoline and diesel-powered engines. Gasoline-powered RAM 3500s have a five year/60,000-mile powertrain warranty. You’ll also get roadside assistance for the same parameters. Diesel-powered RAM 3500s have a five year/100,000-mile powertrain warranty, with roadside assistance for the same time or miles, whichever comes first.

#6 – How much does the RAM 3500 weigh?

Once again, there’s so much variety to the RAM 3500 that it’s hard to give one value. But, the pickup can range anywhere from 5,677 lbs to 8,017 lbs. And, there you have it! Hopefully, we’ve answered all of your questions.

Now, you can get a quote for your RAM 3500 using our free tool below.