Dodge Ram Quad Cab Laramie 2WD Insurance Rates

Average insurance rates for a Dodge Ram Quad Cab Laramie 2WD are $1,576 a year with full coverage. Comprehensive insurance costs on average $382 a year, collision costs $604, and liability insurance costs around $410. Only liability insurance costs as low as $486 a year, with high-risk insurance costing $3,374 or more. Teen drivers receive the highest rates at $5,724 a year or more.

Annual premium for full coverage: $1,576

Rate estimates by individual coverage type:

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

Price Range for Insurance for this Dodge Ram Trim Level

These differences demonstrate why it is important for drivers to compare prices based on a specific location and risk profile, rather than relying on price averages.

Use the form below to get rates for your location.

Insurance rates for a Dodge Ram Quad Cab Laramie 2WD can also vary considerably based on your driver profile, the actual cash value of your Ram, and policy deductibles and limits.

Older drivers with a clean driving record and high deductibles could pay as little as $1,500 a year for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay upwards of $5,700 a year. View Rates by Age

Where you live has a huge impact on Dodge Ram Quad Cab Laramie 2WD insurance rates. A driver around age 40 might see rates as low as $970 a year in states like Indiana, Ohio, and Vermont, or as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.

Choosing high deductibles could cut rates by as much as $660 each year, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $369 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,800 to $2,500 extra per year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 128% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to find out exactly what you will pay is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, so the rates can be significantly different from one company to the next.

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The chart above shows Dodge Ram Quad Cab Laramie 2WD insurance rates for different risk profiles and scenarios. The lowest rate with discounts is $916. Drivers who choose higher $1,000 deductibles will pay around $1,350. The average rate for a 40-year-old male driver using $500 deductibles is $1,576. Choosing low $100 deductibles for comp and collision coverage could cost up to $2,006. High risk drivers could be charged as much as $3,374. The cost for full coverage for a teen driver can be as high as $5,724.

View Chart as Image