About $1,607 a year for full coverage on a national average — 12% more than the $1,438 average car. Insurers rate the RAM 3500 at an index of 112 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2022-2024).
The premium isn't spread evenly across the RAM 3500: Property damage — damage you cause to other property — carries its highest loss index at 166, while Medical payments sits at 62. Those 104 points are the real reason behind the price, and they are the part a quote form never shows you. Among 22 pickups we hold data for, the 3500 ranks #19 from cheapest, above the class median of 95. Against what the car is worth the bill looks different again: a 2026 3500 sells for a median $61,881, so a year of cover costs 2.6% of the car's value. Over 11 generations of data the index has fallen from 131 (2012-2014) to 112 (2022-2024). Calculated from 47 insurance-loss records and live US listing prices.
Why a 3500 costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,607: Liability (BI + PD) $771 · Collision $450 · Comprehensive $193 · Other (UM / PIP) $193.
The 3500 against its class
Every pickups we hold insurance data for, cheapest to insure first. The 3500 is highlighted — rivals are clickable if you're cross-shopping:
Class as defined by insurers (Pickups), not by us — it groups cars by how they're actually driven and repaired. Median for this class is 95, roughly $1,368 a year.
How it changed by generation
Insurance-loss index of the 3500 across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The 3500 has become cheaper to insure over time (-19 points).
What a 3500 costs by state
Where you park matters as much as what you drive. The 3500's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | 3500 est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by the RAM 3500's loss index of 112 — your own quote also depends on age, record, deductible and ZIP.
RAM 3500 insurance — frequently asked
How much is insurance for a RAM 3500?
About $1,607 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 112 applied to the US average premium.
Why is the 3500 expensive or cheap to insure?
For the RAM 3500 the costliest area is Property damage at an index of 166, covering damage you cause to other property — against 62 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the RAM 3500 lands at 112, not at what it costs new.
Is the 3500 cheaper to insure than rivals?
It ranks #19 of 22 in the pickups class, where the median index is 95 against this car's 112. Cheaper rivals are listed in the chart above.
Is that a lot relative to the car's value?
A year of cover is 2.6% of what a 2026 3500 sells for — $1,607 against a median price of $61,881. Cheap cars often show a higher percentage even when the dollar premium is lower, and at 2.6% the 3500 sits on the cheap side of it.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same 3500 can differ by hundreds between two drivers.
How we work this out
Mark ForCar as a preferred source and our data shows up first in your Google results. One click, no account.