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Dodge Ram Crew Cab Laramie 2WD Insurance Rates

Average insurance prices for a Dodge Ram Crew Cab Laramie 2WD are $1,494 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $362, collision insurance costs $572, and liability costs around $390. Liability-only coverage costs as low as $462 a year, and high-risk coverage costs $3,204 or more. Teen drivers receive the highest rates at up to $5,434 a year.

Annual premium for full coverage: $1,494

Rate estimates by type of coverage:

Comprehensive $362
Collision $572
Liability $390

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

Price Range for Insurance for this Dodge Ram Trim Level

Using a 40-year-old driver as an example, prices range from the cheapest price of $462 for your basic liability-only policy to the much higher price of $3,204 for a policy for a high-risk driver.

Liability Only $462
Full Coverage $1,494
High Risk $3,204

These differences illustrate why everyone should compare prices using their specific location and their own driving history, instead of using price averages.

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Car insurance rates for a Dodge Ram Crew Cab Laramie 2WD can also vary considerably based on policy deductibles and limits, your risk profile, and the replacement cost of your Ram.

Choosing high deductibles could cut rates by as much as $630 every year, whereas buying more liability protection will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $351 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as little as $1,400 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged in the ballpark of $5,400 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $1,700 to $2,400 extra per year, depending on your age. Dodge Ram Crew Cab Laramie 2WD insurance for high-risk drivers can be as much as 44% to 127% more than average. View High Risk Driver Rates

Where you live has a huge impact on Dodge Ram Crew Cab Laramie 2WD insurance prices. A driver around age 40 might see rates as low as $1,170 a year in states like , , and North Carolina, or as much as $1,670 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.

With so much variability in rates, the only way to figure out which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Each insurance company uses a different rate calculation, so rate quotes can be significantly different.

The chart estimates Dodge Ram Crew Cab Laramie 2WD insurance rates for various coverage choices and risks. The best rate after discounts is $868. Drivers who choose higher $1,000 deductibles will pay $1,282. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,494. Selecting more expensive $100 deductibles for physical damage coverage could cost up to $1,906. High risk drivers could be charged as much as $3,204. The rate for full coverage for a teenager can be as high as $5,434.

Dodge Ram Crew Cab Laramie 2WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,438-$56-3.7%
Alaska$1,228-$266-17.8%
Arizona$1,500$60.4%
Arkansas$1,518$241.6%
California$1,682$18812.6%
Colorado$1,558$644.3%
Connecticut$1,960$46631.2%
Delaware$1,824$33022.1%
Florida$2,018$52435.1%
Georgia$1,482-$12-0.8%
Hawaii$1,616$1228.2%
Idaho$1,040-$454-30.4%
Illinois$1,112-$382-25.6%
Indiana$1,066-$428-28.6%
Iowa$1,124-$370-24.8%
Kansas$1,374-$120-8.0%
Kentucky$1,938$44429.7%
Louisiana$2,426$93262.4%
Maine$1,024-$470-31.5%
Maryland$1,542$483.2%
Massachusetts$1,318-$176-11.8%
Michigan$2,754$1,26084.3%
Minnesota$1,314-$180-12.0%
Mississippi$1,464-$30-2.0%
Missouri$1,278-$216-14.5%
Montana$1,354-$140-9.4%
Nebraska$1,234-$260-17.4%
Nevada$1,934$44029.5%
New Hampshire$1,220-$274-18.3%
New Jersey$1,490-$4-0.3%
New Mexico$1,388-$106-7.1%
New York$1,948$45430.4%
North Carolina$1,064-$430-28.8%
North Dakota$1,458-$36-2.4%
Ohio$1,054-$440-29.5%
Oklahoma$1,818$32421.7%
Oregon$1,400-$94-6.3%
Pennsylvania$1,686$19212.9%
Rhode Island$1,816$32221.6%
South Carolina$1,394-$100-6.7%
South Dakota$1,172-$322-21.6%
Tennessee$1,344-$150-10.0%
Texas$1,442-$52-3.5%
Utah$1,328-$166-11.1%
Vermont$1,066-$428-28.6%
Virginia$1,078-$416-27.8%
Washington$1,318-$176-11.8%
West Virginia$1,526$322.1%
Wisconsin$1,526$322.1%
Wyoming$1,656$16210.8%

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Rates by Driver Age

Dodge Ram Crew Cab Laramie 2WD Insurance Rates by Driver Age
Driver AgePremium
16$5,434
20$3,408
30$1,564
40$1,494
50$1,364
60$1,338

Full coverage, $500 deductibles

Rates by Deductible

Dodge Ram Crew Cab Laramie 2WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$1,906
$250$1,716
$500$1,494
$1,000$1,282

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram Crew Cab Laramie 2WD Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,494
50/100$1,572
100/300$1,670
250/500$1,923
100 CSL$1,611
300 CSL$1,826
500 CSL$1,982

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Ram Crew Cab Laramie 2WD Insurance Rates for High Risk Drivers
AgePremium
16$7,754
20$5,404
30$3,282
40$3,204
50$3,054
60$3,020

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 $201

Potential Rate Discounts

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

DiscountSavings
Multi-policy$79
Multi-vehicle$75
Homeowner$21
5-yr Accident Free$109
5-yr Claim Free$95
Paid in Full/EFT$68
Advance Quote$73
Online Quote$106
Total Discounts$626
Rate after discounts $868

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

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