Dodge Ram 2500 Mega Cab Laramie 4WD Insurance Rates

Estimated insurance prices for a Dodge Ram 2500 Mega Cab Laramie 4WD are $1,620 every 12 months including full coverage. Comprehensive costs an estimated $396 a year, collision costs $634, and liability coverage costs $410. Liability-only coverage costs as little as $486 a year, with high-risk coverage costing around $3,474. Teen drivers pay the most at $5,866 a year or more.

Annual premium for full coverage: $1,620

Premium estimates broken down by individual coverage type:

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

Price Range for Insurance for this Dodge Ram 2500 Trim Level

Insurance Price Range by Location

Your location has a large influence on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

These rate differences highlight why it is important for drivers to compare rates for a targeted area and their own driving history, rather than using price averages.

Use the form below to get rates for your location.

Insurance rates for a Dodge Ram 2500 Mega Cab Laramie 4WD also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year.

Choosing high deductibles could save up to $690 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $369 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may only pay around $1,500 per year on average, or $125 per month, for full coverage. Rates are highest for drivers in their teens, since even excellent drivers can expect to pay at least $5,800 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying $1,900 to $2,600 extra annually, depending on your age. A high-risk auto insurance policy can cost around 44% to 131% more than average. View High Risk Driver Rates

Where you choose to live makes a big difference in Dodge Ram 2500 Mega Cab Laramie 4WD insurance rates. A 40-year-old driver could pay as low as $1,060 a year in states like North Carolina, Indiana, and , or as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

With such a large range of rates, the best way to figure out who has the best auto insurance rates is to get quotes and see how they stack up. Every company uses a different rate calculation, so the rates will be substantially different.

View Chart as Image

The chart above shows average Dodge Ram 2500 Mega Cab Laramie 4WD insurance rates for different coverage choices and risks. The cheapest rate with discounts is $939. Drivers who choose higher $1,000 deductibles will pay $1,388. The average rate for a driver around age 40 using $500 deductibles is $1,620. Choosing low $100 deductibles for collision and other-than-collision coverage can cost as much as $2,072. High risk drivers could be charged up to $3,474. The cost for full coverage insurance for a teenage driver is $5,866.

View Chart as Image