Dodge Ram 2500 Crew Cab Laramie 4WD Insurance Rates

Estimated auto insurance rates for a Dodge Ram 2500 Crew Cab Laramie 4WD are $1,620 annually for full coverage. Comprehensive costs on average $396 each year, collision insurance costs $634, and liability costs $410. A policy with only liability insurance costs as little as $486 a year, and a high-risk policy costs around $3,474. Teenage drivers pay the most at up to $5,866 a year.

Annual premium for full coverage: $1,620

Premium estimates by individual coverage:

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

Price Range for Insurance for this Dodge Ram 2500 Trim Level

Insurance Price Range by Location

Your location can make a big difference on car insurance rates. Rural areas are statistically proven to have fewer accident claims than densely populated cities. The graphic below illustrates how location impacts car insurance rates.

These rate differences show why all drivers should compare rates based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Car insurance rates for a Dodge Ram 2500 Crew Cab Laramie 4WD also have a wide range based on the replacement cost of your Ram 2500, your driver profile, and policy deductibles and limits.

More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,500 per year on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged upwards of $5,800 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,900 to $2,600 extra annually, depending on your age. Insurance for high-risk drivers can cost from 44% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $690 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $369 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Dodge Ram 2500 Crew Cab Laramie 4WD insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,950 on average in Michigan, Louisiana, and Montana. Rates by state and city are shown later in the article.

With such a large range of prices, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Every company uses a different method to calculate prices, so rate quotes will be substantially different between companies.

View Chart as Image

Chart shows Dodge Ram 2500 Crew Cab Laramie 4WD insurance prices for various situations. The cheapest discount price is $939. Drivers who use higher $1,000 deductibles will pay about $1,388. The average price for a 40-year-old male driver using $500 deductibles is $1,620. Using lower $100 deductibles for comprehensive and collision insurance can cost as much as $2,072. Drivers with multiple violations and accidents could be charged up to $3,474. The policy rate for full coverage insurance for a teen driver is $5,866.

View Chart as Image