Dodge Ram Quad Cab Laramie 4WD Insurance Rates
Estimated insurance prices for a Dodge Ram Quad Cab Laramie 4WD are $1,568 every 12 months with full coverage. Comprehensive costs an estimated $376 each year, collision insurance costs $632, and liability costs $390. Liability-only coverage costs as little as $462 a year, and high-risk coverage costs around $3,372. Teenage drivers pay the most at up to $5,688 a year.
Annual premium for full coverage: $1,568
Premium estimates broken down by individual coverage:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range for Insurance for this Dodge Ram Trim Level
For a driver in their 40's, insurance rates for a Dodge Ram Quad Cab Laramie 4WD range from the cheapest price of $462 for just the minimum liability insurance to a high rate of $3,372 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Your location can have significant affects on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than densely populated cities. The graphic below illustrates how location helps determine insurance prices.
These rate differences demonstrate why all drivers should compare rates for a targeted area and their own driving history, instead of using average rates.
Use the form below to get rates for your location.
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Insurance rates for a Dodge Ram Quad Cab Laramie 4WD also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year.
Using high physical damage deductibles could save up to $680 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $351 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may pay as little as $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for drivers in their teens, since even excellent drivers can expect to pay at least $5,600 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out $1,800 to $2,500 extra annually, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 128% more than a normal policy. View High Risk Driver Rates
Where you choose to live makes a big difference in Dodge Ram Quad Cab Laramie 4WD insurance prices. A 40-year-old driver could pay as low as $920 a year in states like Vermont, Ohio, and Indiana, or be forced to pay as much as $1,620 on average in Montana, Michigan, and New Jersey. Rates by state and city are shown later in the article.
With such a large range of rates, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison and see which company has the best rate. Every company uses a different method to calculate rates, so the rates will be substantially different.
The chart above shows Dodge Ram Quad Cab Laramie 4WD insurance rates for various coverage choices and risks. The best rate after discounts is $901. Drivers who use higher $1,000 deductibles will pay $1,340. The average rate for a driver around age 40 using $500 deductibles is $1,568. Using lower $100 deductibles for comp and collision coverage can cost as much as $2,012. Drivers with multiple violations and accidents could be charged up to $3,372. The policy rate for full coverage insurance for a teenage driver is $5,688.
|State||Premium||Compared to U.S. Avg||Percent Difference|
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Rate Tables and Charts
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Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$117|
|5-yr Claim Free||$101|
|Paid in Full/EFT||$74|
Discounts are estimated and may not be available from every company or in every state.