Dodge Ram 3500 Mega Cab Laramie 4WD Insurance Rates

Estimated auto insurance rates for a Dodge Ram 3500 Mega Cab Laramie 4WD are $2,016 annually for full coverage. Comprehensive costs an estimated $438 a year, collision costs $794, and liability costs $546. A policy with only liability insurance costs as little as $646 a year, with a high-risk policy costing around $4,348. Teenage drivers pay the most at $7,462 a year or more.

Annual premium for full coverage: $2,016

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 3500 Trim Level

Insurance Price Range by Location

Your location can make a big difference on insurance rates. More rural locations are statistically proven to have fewer accident claims than densely populated cities.

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

These rate differences show why it is important for drivers to compare rates for a targeted area 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 4WD also have a wide range based on the replacement cost of your Ram 3500, your driver profile, and liability limits and deductibles.

Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,900 per year on average, or $158 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged at least $7,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying $2,400 to $3,200 extra annually, depending on your age. A high-risk auto insurance policy can cost from 43% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $830 annually, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $492 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Dodge Ram 3500 Mega Cab Laramie 4WD insurance prices. 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.

With such a large range of prices, the only way to know who has the cheapest car insurance prices is to get quotes from multiple companies. Every company uses a different method to calculate prices, so rate quotes will be substantially different between companies.

Chart shows Dodge Ram 3500 Mega Cab Laramie 4WD insurance prices for different situations. The cheapest discount price is $1,163. Drivers who use higher $1,000 deductibles will pay about $1,734. The average price for a driver around age 40 using $500 deductibles is $2,016. Choosing low $100 deductibles for comprehensive and collision insurance can cost as much as $2,558. Drivers with multiple violations and accidents could be charged up to $4,348. The cost for full coverage insurance for a teenage driver is $7,462.