Dodge Ram 3500 Mega Cab Laramie 2WD Insurance Rates

Average auto insurance rates for a Dodge Ram 3500 Mega Cab Laramie 2WD are $1,658 annually for full coverage insurance. Comprehensive costs on average $438, collision costs $698, and liability costs around $364. Liability-only coverage costs as low as $430 a year, with high-risk coverage costing around $3,552. Teenage drivers receive the highest rates at $5,858 a year or more.

Annual premium for full coverage: $1,658

Rate estimates by type of coverage:

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

Price Range for Insurance for this Dodge Ram 3500 Trim Level

Price Range by Location

Where you live can make a big difference on insurance rates. Rural areas tend to have fewer physical damage claims than densely populated cities.

The example below illustrates how location helps determine car insurance rates.

These differences illustrate why everyone should compare prices based on a specific location and their own personal driving habits, 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 3500 Mega Cab Laramie 2WD can also vary considerably based on the model year of your Ram 3500, your risk profile, and policy deductibles and limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,500 a year for full coverage. Prices are much higher for teen drivers, where even without any violations or accidents they will be charged upwards of $5,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,900 to $2,600 extra per year, depending on your age. Dodge Ram 3500 Mega Cab Laramie 2WD insurance for high-risk drivers can be from 44% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $760 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Dodge Ram 3500 Mega Cab Laramie 2WD insurance prices. A driver around age 40 might see prices as low as $1,180 a year in states like North Carolina, , and , or be forced to pay as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

With so much variability in prices, the only way to figure out exactly what you will pay is to regularly compare prices from multiple companies. Each insurance company uses a different method to calculate prices, so rate quotes can be significantly different between companies.

View Chart as Image

The chart estimates Dodge Ram 3500 Mega Cab Laramie 2WD insurance prices for different situations. The cheapest discount price is $948. Drivers who use higher $1,000 deductibles will pay about $1,398. The average price for a 40-year-old male driver using $500 deductibles is $1,658. Selecting more expensive $100 deductibles for physical damage coverage could cost up to $2,156. Drivers with multiple violations and accidents could be charged as much as $3,552. The rate for full coverage insurance for a teen driver can be as high as $5,858.

View Chart as Image