Dodge Ram 2500 Crew Cab Laramie 4WD Insurance Rates

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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:

Comprehensive $396
Collision $634
Liability $410

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

Price Range for Insurance for this Dodge Ram 2500 Trim Level

For the average driver, insurance rates for a Dodge Ram 2500 Crew Cab Laramie 4WD range from as cheap as $486 for your basic liability-only policy to a high rate of $3,474 for a driver that may need high-risk insurance.

Liability Only $486
Full Coverage $1,620
High Risk $3,474

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.

Rural Areas $1,215
Small Cities $1,701
Large Cities $2,187

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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Companies with Cheap Dodge Ram 2500 Crew Cab Laramie 4WD Insurance

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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

Dodge Ram 2500 Crew Cab Laramie 4WD insurance cost comparison chart
Column chart showing Dodge Ram 2500 Crew Cab Laramie 4WD insurance prices range from $939 to $5,866 for full coverage

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.

Dodge Ram 2500 Crew Cab Laramie 4WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,466 -$154 -9.5%
Alaska $1,242 -$378 -23.3%
Arizona $1,344 -$276 -17.0%
Arkansas $1,620 -$0 0.0%
California $1,848 $228 14.1%
Colorado $1,546 -$74 -4.6%
Connecticut $1,664 $44 2.7%
Delaware $1,834 $214 13.2%
Florida $2,030 $410 25.3%
Georgia $1,498 -$122 -7.5%
Hawaii $1,162 -$458 -28.3%
Idaho $1,098 -$522 -32.2%
Illinois $1,208 -$412 -25.4%
Indiana $1,222 -$398 -24.6%
Iowa $1,094 -$526 -32.5%
Kansas $1,538 -$82 -5.1%
Kentucky $2,210 $590 36.4%
Louisiana $2,400 $780 48.1%
Maine $1,002 -$618 -38.1%
Maryland $1,336 -$284 -17.5%
Massachusetts $1,294 -$326 -20.1%
Michigan $2,814 $1,194 73.7%
Minnesota $1,358 -$262 -16.2%
Mississippi $1,942 $322 19.9%
Missouri $1,438 -$182 -11.2%
Montana $1,742 $122 7.5%
Nebraska $1,278 -$342 -21.1%
Nevada $1,944 $324 20.0%
New Hampshire $1,170 -$450 -27.8%
New Jersey $1,814 $194 12.0%
New Mexico $1,434 -$186 -11.5%
New York $1,706 $86 5.3%
North Carolina $934 -$686 -42.3%
North Dakota $1,328 -$292 -18.0%
Ohio $1,120 -$500 -30.9%
Oklahoma $1,664 $44 2.7%
Oregon $1,484 -$136 -8.4%
Pennsylvania $1,546 -$74 -4.6%
Rhode Island $2,162 $542 33.5%
South Carolina $1,468 -$152 -9.4%
South Dakota $1,368 -$252 -15.6%
Tennessee $1,418 -$202 -12.5%
Texas $1,952 $332 20.5%
Utah $1,200 -$420 -25.9%
Vermont $1,108 -$512 -31.6%
Virginia $970 -$650 -40.1%
Washington $1,252 -$368 -22.7%
West Virginia $1,486 -$134 -8.3%
Wisconsin $1,122 -$498 -30.7%
Wyoming $1,444 -$176 -10.9%

View Chart as Image

Dodge Ram 2500 Crew Cab Laramie 4WD insurance rates by U.S. city

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Rates by Driver Age

Dodge Ram 2500 Crew Cab Laramie 4WD Insurance Rates by Driver Age
Driver Age Premium
16 $5,866
20 $3,696
30 $1,698
40 $1,620
50 $1,476
60 $1,446

Full coverage, $500 deductibles

Rates by Deductible

Dodge Ram 2500 Crew Cab Laramie 4WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,072
$250 $1,866
$500 $1,620
$1,000 $1,388

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram 2500 Crew Cab Laramie 4WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,620
50/100 $1,702
100/300 $1,805
250/500 $2,071
100 CSL $1,743
300 CSL $1,969
500 CSL $2,133

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Ram 2500 Crew Cab Laramie 4WD Insurance Rates for High Risk Drivers
Age Premium
16 $8,380
20 $5,860
30 $3,560
40 $3,474
50 $3,310
60 $3,278

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $219

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $86
Multi-vehicle $81
Homeowner $23
5-yr Accident Free $119
5-yr Claim Free $103
Paid in Full/EFT $75
Advance Quote $79
Online Quote $115
Total Discounts $681
Rate after discounts $939

Discounts are estimated and may not be available from every company or in every state.

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