Dodge Ram 3500 Crew Cab Laramie 2WD Insurance Rates

The average insurance rates for a Dodge Ram 3500 Crew Cab Laramie 2WD are $1,384 a year for full coverage. Comprehensive costs on average $354 each year, collision costs $508, and liability costs around $364. Liability-only coverage costs as low as $430 a year, with high-risk coverage costing around $2,950. Teenage drivers cost the most to insure at $4,990 a year or more.

Annual premium for full coverage: $1,384

Policy rates by individual coverage:

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

Price Range for Insurance for this Dodge Ram 3500 Trim Level

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than densely populated cities.

The graphic below illustrates how geographic area affects car insurance rates.

These price differences show why all drivers should compare prices based on a specific location and risk profile, instead of using average rates.

Use the form below to get rates for your location.

Insurance prices for a Dodge Ram 3500 Crew Cab Laramie 2WD also range considerably based on your risk profile, the model year of your Ram 3500, and policy deductibles and limits.

More mature drivers with no violations or accidents and high deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $4,900 a year. View Rates by Age

Your home state has a huge impact on Dodge Ram 3500 Crew Cab Laramie 2WD insurance prices. A driver around age 40 might see rates 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.

Using high physical damage deductibles could cut rates by as much as $580 every year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $327 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,600 to $2,200 additional every year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 130% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison and see which company has the best rate. Each insurance company uses a different method to calculate rates, and rates will be varied from one company to the next.

View Chart as Image

Chart shows Dodge Ram 3500 Crew Cab Laramie 2WD insurance rates for different risk profiles and scenarios. The best rate after discounts is $810. Drivers who use higher $1,000 deductibles will pay around $1,188. The average rate for a 40-year-old male driver using $500 deductibles is $1,384. Using lower $100 deductibles for comprehensive and collision insurance could cost up to $1,760. Drivers with multiple violations and accidents could be charged around $2,950. The policy rate for full coverage insurance for a teen driver can be as high as $4,990.

View Chart as Image