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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:

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

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.

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

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.

Rural Areas $1,176
Small Cities $1,646
Large Cities $2,117

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.

Dodge Ram Quad 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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Rates by Driver Age

Dodge Ram Quad 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 Quad 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 Quad 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 Quad 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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