Dodge Ram 2500 Crew Cab Laramie 2WD Insurance Rates

U.S. average insurance rates for a Dodge Ram 2500 Crew Cab Laramie 2WD are $1,642 a year including full coverage. Comprehensive costs approximately $354, collision insurance costs $698, and liability coverage costs around $410. Just liability insurance costs as low as $486 a year, and coverage for high-risk drivers costs around $3,562. Teen drivers pay the highest rates at up to $6,050 a year.

Annual premium for full coverage: $1,642

Price estimates by type of insurance:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Dodge Ram 2500 Trim Level

Geographic Price Range

Where you live has a large influence on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

These price ranges highlight why anyone shopping for car insurance should compare prices using their specific location and risk profile, rather than using price averages.

Use the form below to get rates for your location.

Insurance rates for a Dodge Ram 2500 Crew Cab Laramie 2WD are also quite variable based on your driving record, the replacement cost of your Ram 2500, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles may only pay around $1,500 a year for full coverage. Rates are highest for teenage drivers, where even good drivers can expect to pay in the ballpark of $6,000 a year. View Rates by Age

The state you live in has a huge impact on Dodge Ram 2500 Crew Cab Laramie 2WD insurance rates. A driver around age 40 might see rates as low as $1,060 a year in states like North Carolina, Indiana, and , or as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

Choosing high deductibles could cut rates by as much as $710 a year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will increase rates by as much as $369 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $1,900 to $2,700 extra each year, depending on your age. High-risk driver insurance can be around 45% to 129% more than average. View High Risk Driver Rates

Since rates can be so different, the best way to figure out which company is cheapest is to compare rates and see how they stack up. Each insurance company uses a different rate calculation, so the rates may be quite different from one company to the next.

View Chart as Image

The chart above shows average Dodge Ram 2500 Crew Cab Laramie 2WD insurance rates for various risk profiles and scenarios. The cheapest rate with discounts is $935. Drivers who choose higher $1,000 deductibles will pay around $1,404. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,642. Using more expensive $100 deductibles for collision and other-than-collision coverage could cost up to $2,110. High risk drivers could be charged at least $3,562. The price for full coverage insurance for a teenager can be as high as $6,050.

View Chart as Image