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Dodge Ram Crew Cab Laramie 4WD Insurance Rates

The average insurance prices for a Dodge Ram Crew Cab Laramie 4WD are $1,568 every 12 months for full coverage. Comprehensive insurance costs approximately $376, collision costs $632, and liability insurance costs $390. A liability-only policy costs as little as $462 a year, with high-risk insurance costing $3,372 or more. Teenage drivers cost the most to insure at $5,688 a year or more.

Annual premium for full coverage: $1,568

Policy rates by type of insurance:

Comprehensive $376
Collision $632
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 middle-aged driver as an example, Dodge Ram Crew Cab Laramie 4WD insurance rates go from the cheapest price of $462 for your basic liability-only policy to a much higher rate of $3,372 for a high-risk driver policy.

Liability Only $462
Full Coverage $1,568
High Risk $3,372

These price differences show why anyone shopping for car insurance should compare rates using their specific location and their own driving history, rather than relying on average rates.

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Car insurance rates for a Dodge Ram Crew Cab Laramie 4WD also range considerably based on liability limits and deductibles, your driver profile, and the replacement cost of your Ram.

Using high physical damage deductibles could save up to $680 each year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles could pay as little as $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged in the ballpark of $5,600 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,800 to $2,500 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 128% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Dodge Ram Crew Cab Laramie 4WD insurance rates. A 40-year-old driver could pay as low as $920 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,890 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

Because rates have so much variability, the only way to know which auto insurance is cheapest is to compare rates from as many companies as possible. Every company uses a different method to calculate rates, so rate quotes will be varied.

View Chart as Image

Dodge Ram Crew Cab Laramie 4WD insurance cost comparison chart
Column chart showing Dodge Ram Crew Cab Laramie 4WD insurance prices range from $901 to $5,688 for full coverage

Chart shows Dodge Ram Crew Cab Laramie 4WD insurance rates for different coverage choices and risks. The lowest rate with discounts is $901. Drivers who use higher $1,000 deductibles will pay $1,340. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,568. Using more expensive $100 deductibles for comprehensive and collision insurance can cost as much as $2,012. Drivers with multiple violations and accidents could be charged around $3,372. The price for full coverage for a teenager is $5,688.

Dodge Ram Crew Cab Laramie 4WD Insurance Rates by State
StatePremiumCompared to U.S. AvgPercent Difference
Alabama$1,510-$58-3.7%
Alaska$1,288-$280-17.9%
Arizona$1,576$80.5%
Arkansas$1,594$261.7%
California$1,764$19612.5%
Colorado$1,632$644.1%
Connecticut$2,058$49031.3%
Delaware$1,914$34622.1%
Florida$2,118$55035.1%
Georgia$1,556-$12-0.8%
Hawaii$1,696$1288.2%
Idaho$1,092-$476-30.4%
Illinois$1,166-$402-25.6%
Indiana$1,120-$448-28.6%
Iowa$1,180-$388-24.7%
Kansas$1,442-$126-8.0%
Kentucky$2,034$46629.7%
Louisiana$2,546$97862.4%
Maine$1,076-$492-31.4%
Maryland$1,618$503.2%
Massachusetts$1,384-$184-11.7%
Michigan$2,888$1,32084.2%
Minnesota$1,378-$190-12.1%
Mississippi$1,536-$32-2.0%
Missouri$1,340-$228-14.5%
Montana$1,422-$146-9.3%
Nebraska$1,294-$274-17.5%
Nevada$2,028$46029.3%
New Hampshire$1,280-$288-18.4%
New Jersey$1,562-$6-0.4%
New Mexico$1,456-$112-7.1%
New York$2,044$47630.4%
North Carolina$1,116-$452-28.8%
North Dakota$1,528-$40-2.6%
Ohio$1,106-$462-29.5%
Oklahoma$1,908$34021.7%
Oregon$1,468-$100-6.4%
Pennsylvania$1,770$20212.9%
Rhode Island$1,904$33621.4%
South Carolina$1,462-$106-6.8%
South Dakota$1,228-$340-21.7%
Tennessee$1,410-$158-10.1%
Texas$1,512-$56-3.6%
Utah$1,394-$174-11.1%
Vermont$1,120-$448-28.6%
Virginia$1,130-$438-27.9%
Washington$1,384-$184-11.7%
West Virginia$1,598$301.9%
Wisconsin$1,602$342.2%
Wyoming$1,736$16810.7%

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

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Rates by Driver Age

Dodge Ram Crew Cab Laramie 4WD Insurance Rates by Driver Age
Driver AgePremium
16$5,688
20$3,592
30$1,646
40$1,568
50$1,428
60$1,402

Full coverage, $500 deductibles

Rates by Deductible

Dodge Ram Crew Cab Laramie 4WD Insurance Rates with Different Deductibles
DeductiblePremium
$100$2,012
$250$1,806
$500$1,568
$1,000$1,340

Full coverage, driver age 40

Rates by Liability Limit

Dodge Ram Crew Cab Laramie 4WD Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,568
50/100$1,646
100/300$1,744
250/500$1,997
100 CSL$1,685
300 CSL$1,900
500 CSL$2,056

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Ram Crew Cab Laramie 4WD Insurance Rates for High Risk Drivers
AgePremium
16$8,130
20$5,702
30$3,460
40$3,372
50$3,216
60$3,182

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 $214

Potential Rate Discounts

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

DiscountSavings
Multi-policy$84
Multi-vehicle$79
Homeowner$22
5-yr Accident Free$117
5-yr Claim Free$101
Paid in Full/EFT$74
Advance Quote$78
Online Quote$112
Total Discounts$667
Rate after discounts $901

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

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