Dodge Ram 2500 Mega Cab Laramie 2WD Insurance Rates

The average insurance prices for a Dodge Ram 2500 Mega Cab Laramie 2WD are $1,642 every 12 months including full coverage. Comprehensive costs on average $354 each year, collision insurance costs $698, and liability costs $410. A liability-only policy costs as little as $486 a year, and high-risk insurance costs around $3,562. Teenage drivers cost the most to insure at up to $6,050 a year.

Annual premium for full coverage: $1,642

Policy rates by individual coverage:

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

Price Range for Insurance for this Dodge Ram 2500 Trim Level

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than densely populated cities. The graphic below illustrates how location helps determine car insurance rates.

These price differences highlight why all drivers should compare rates based on a specific location and their own driving history, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Car insurance rates for a Dodge Ram 2500 Mega Cab Laramie 2WD also range considerably based on liability limits and deductibles, your driving characteristics, and the model year of your Ram 2500.

Using high physical damage deductibles could save up to $710 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $369 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may pay as low 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 upwards of $6,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at a minimum $1,900 to $2,700 extra every year, depending on your age. Insurance for high-risk drivers can cost from 45% to 129% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Dodge Ram 2500 Mega Cab Laramie 2WD insurance prices. A 40-year-old driver could pay as low as $1,060 a year in states like , Indiana, and North Carolina, or be forced to pay as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Every company uses a different method to calculate rates, so rate quotes will be varied.

View Chart as Image

The chart above shows average Dodge Ram 2500 Mega Cab Laramie 2WD insurance rates for various coverage choices and risks. The cheapest discount rate is $935. Drivers who use higher $1,000 deductibles will pay $1,404. The average rate for a 40-year-old male driver using $500 deductibles is $1,642. Using lower $100 deductibles for collision and other-than-collision coverage can cost as much as $2,110. Drivers with multiple violations and accidents could be charged around $3,562. The policy rate for full coverage insurance for a teen driver is $6,050.

View Chart as Image