Dodge Ram Crew Cab Laramie 4WD Insurance Rates

The average insurance prices for a Dodge Ram Crew Cab Laramie 4WD are $1,652 every 12 months for full coverage. Comprehensive insurance costs approximately $396, collision costs $666, and liability insurance costs $410. A liability-only policy costs as little as $486 a year, with high-risk insurance costing $3,552 or more. Teenage drivers cost the most to insure at $5,990 a year or more.

Annual premium for full coverage: $1,652

Policy rates by type of insurance:

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

Price Range for Insurance for this Dodge Ram Trim Level

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.

Use the form below to get rates for your location.

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 $710 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 $369 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 $5,900 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 $1,900 to $2,600 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 43% to 129% 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 $900 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,950 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

Chart shows Dodge Ram Crew Cab Laramie 4WD insurance rates for different coverage choices and risks. The lowest rate with discounts is $952. Drivers who use higher $1,000 deductibles will pay $1,412. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,652. Using more expensive $100 deductibles for comprehensive and collision insurance can cost as much as $2,118. Drivers with multiple violations and accidents could be charged around $3,552. The price for full coverage for a teenager is $5,990.

View Chart as Image