Dodge Ram Quad Cab Laramie 4WD Insurance Rates

Estimated insurance prices for a Dodge Ram Quad Cab Laramie 4WD are $1,652 every 12 months with full coverage. Comprehensive costs an estimated $396 each year, collision insurance costs $666, and liability costs $410. Liability-only coverage costs as little as $486 a year, and high-risk coverage costs around $3,552. Teenage drivers pay the most at up to $5,990 a year.

Annual premium for full coverage: $1,652

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

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.

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 $710 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 $369 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 $5,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,900 to $2,600 extra annually, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 129% 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 $970 a year in states like Vermont, Ohio, and Indiana, or be forced to pay as much as $1,790 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.

View Chart as Image

The chart above shows Dodge Ram Quad Cab Laramie 4WD insurance rates for various coverage choices and risks. The best rate after discounts is $952. Drivers who use higher $1,000 deductibles will pay $1,412. The average rate for a driver around age 40 using $500 deductibles is $1,652. Using lower $100 deductibles for comp and collision coverage can cost as much as $2,118. Drivers with multiple violations and accidents could be charged up to $3,552. The policy rate for full coverage insurance for a teenage driver is $5,990.

View Chart as Image