Dodge Ram 3500 Crew Cab Laramie 4WD Insurance Rates

Average insurance rates for a Dodge Ram 3500 Crew Cab Laramie 4WD are $1,970 a year with full coverage. Comprehensive costs approximately $424, collision insurance costs $762, and liability insurance costs around $546. Buying just liability costs as low as $646 a year, and insurance for high-risk drivers costs around $4,246. Teen drivers receive the highest rates at up to $7,316 a year.

Annual premium for full coverage: $1,970

Rate estimates by type of 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

Price Range by Location

Where you live has a significant impact on the price of insurance. Rural locations tend to have lower incidents of collision claims than larger metro areas. The example below illustrates how geographic area affects auto insurance prices.

These differences demonstrate why everyone should compare prices using their specific location, rather than relying on price averages.

Use the form below to get rates for your location.

Auto insurance rates for a Dodge Ram 3500 Crew Cab Laramie 4WD can also vary considerably based on the replacement cost of your Ram 3500, your age and driving habits, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you may be forking out anywhere from $2,300 to $3,200 in extra premium per year, depending on your age. Dodge Ram 3500 Crew Cab Laramie 4WD insurance for high-risk drivers can be anywhere from 44% to 130% more than average. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,800 a year for full coverage. Prices are highest for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $7,300 a year. View Rates by Age

Where you live has a huge impact on Dodge Ram 3500 Crew Cab Laramie 4WD insurance rates. A driver around age 40 might see prices as low as $970 a year in states like Vermont, Ohio, and Indiana, or as much as $1,790 on average in Montana, Michigan, and New Jersey. Rates by state and city are shown later in the article.

Choosing high deductibles could cut prices by as much as $790 each year, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $492 extra every year. View Rates by Deductible or Liability Limit

With so much variability in prices, the best way to find out which insurance company is cheapest is to regularly compare prices from as many companies as possible. Each insurance company uses a different rate calculation, and quoted rates can be significantly different.

View Chart as Image

The chart above shows Dodge Ram 3500 Crew Cab Laramie 4WD insurance prices for various risks and coverage choices. The lowest price with discounts is $1,140. Drivers who choose higher $1,000 deductibles will pay $1,700. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,970. Selecting more expensive $100 deductibles for comp and collision coverage could cost up to $2,490. High risk drivers could be charged as much as $4,246. The rate for full coverage insurance for a teenager can be as high as $7,316.

View Chart as Image