Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Mar 13, 2020

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The Ram Chassis Cab 3500 gives you the freedom to haul whatever you want, however you want, wherever you want. But, as they say, freedom isn’t free.

In your specific case, you end up paying a higher price for your Ram Chassis Cab 3500 auto insurance premiums (among other things). But don’t despair; there are plenty of ways you could save money on your insurance costs. And we’ll be happy to show you how.

Take a few mins to compare several rates for FREE with our comparison tool above.

A Brief History of the Ram Chassis 3500

The first iterations of the 3500 chassis cab were available in 2007. It came with an industry-standard rear frame and outfitter-friendly wiring. There haven’t been many changes to the vehicle since it first debuted, but this pattern won’t continue for much longer.

It is reported that Ram is considering upgrades and modernization for future models, which should they debut in the year 2020.

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Ram Chassis 3500 in the News

A recall during the summer of 2018 encompassed 4.8 million Fiat Chrysler vehicles, including the Ram chassis 3500. The massive recall was triggered by the fact that some defective vehicles may not be able to exit cruise control, even if the driver manually tries to shut it off.

Naturally, this could be potentially deadly under certain circumstances. The recall applies to vehicles from 2014 and younger. And it doesn’t just apply to the Ram chassis 3500; sedans, SUVs, pickup trucks, and vans spanning the entire Fiat Chrysler lineup were all affected buy this manufacturing defect.

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Comparing Ram Chassis 3500 Auto Insurance

Your specific location – from your state and all the way down to the street address where you park your car each and every night – gives your insurance company a plethora of information. What type of information, you ask? The information they need to figure out how likely you are to get into an accident.

Yes, your personal information says a lot about you as a driver and your likelihood of causing and accident behind the wheel – but what about the likelihood of people crashing into you or other forms of damage happening to your vehicle?

Those odds are largely determined by the city you live in and statistics such as crime rates, accident frequency, accident fatalities, and weather damage, among other things.

Ram Chassis Cab 3500 Car Insurance Premiums by State Legend: Ram Chassis 3500 Michigan Texas Oregon Montana Arkansas 10 20 30 40 50 60 70 80 90 100 110 120 130 140 150 160 170 180 $80 $189 $120 $115 $131


The Ram 3500 chassis cab is highly customizable, which means that you could either use it for business purposes or for personal use, such as hauling a small or medium-sized RV. This is important because your insurance provider may change your terms, coverage amounts, your total premium, or even deny you coverage altogether based on whether or not your vehicle is for personal or professional use.

As you can see in the chart below, different insurance providers have different standards when it comes to figuring out how much to charge you on your insurance premiums.

Ram Chassis Cab 3500 Auto Insurance Premiums by Company Legend: Ram Chassis 3500 SECURA Allstate Encompass Nationwide Allied 30 60 90 120 150 180 210 240 270 300 330 360 390 420 450 480 510 $88 $354 $525 $267 $279


If you were a casual hauler, you would probably choose a standard type of Ram pickup like the 2500 or the 3500. But no – you chose the 3500 cab chassis, and you chose it for a very specific reason.

And you’re going to need a very specific type of insurance policy and order to adequately cover your asset. Your insurance company knows this, and will use it to determine a very specific rate for you.

Keep in mind, though, that not all typical auto insurance companies may be willing to insure your vehicle. This is because it is less risky to issue policies for personal use rather than professional use, which is common with Ram chassis cab 3500’s.

Business vs. Personal Insurance Premiums for Ram Chassis Cab 3500 Legend: Personal Vehicle Insurance Business Vehicle Insurance SECURA Allstate Encompass Nationwide Allied 50 100 150 200 250 300 350 400 450 500 550 600 $88 $105 $354 $392 $525 $627 $267 $322 $279 $315


We need to ask: how much effort have you put into comparison shopping so far? If your answer falls somewhere between “not much” and “zero”, you could be missing out on hundreds of dollars in savings each year!

Thankfully, you have us to help you fix that problem. Our quote widget is one of the most sophisticated tools on the internet today. In as little as 5 minutes, it can find you half a dozen accurate, competitive quotes from the best insurance companies in your zip code. The average motorist faves over $500 a year with us!

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See also: Chrysler – Dodge | Chrysler – Jeep | Ram Trucks | Chrysler Car Insurance

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