Dodge Dakota Bighorn Ext Cab 4WD Insurance Rates

Estimated insurance prices for a Dodge Dakota Bighorn Ext Cab 4WD are $1,356 every 12 months for full coverage. Comprehensive insurance costs an estimated $326 each year, collision costs $508, and liability coverage costs $364. A liability-only policy costs as little as $430 a year, with high-risk insurance costing $2,904 or more. Teenage drivers pay the most at $4,948 a year or more.

Annual premium for full coverage: $1,356

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 Dakota Trim Level

These rate differences show why all drivers should compare rates for a targeted area and their own driving history, rather than using average rates.

Use the form below to get rates for your location.

Auto insurance rates for a Dodge Dakota Bighorn Ext Cab 4WD also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year.

Using high physical damage deductibles could save up to $560 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $327 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for drivers in their teens, since even excellent drivers will have to pay at least $4,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying $1,600 to $2,200 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost around 44% to 132% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Dodge Dakota Bighorn Ext Cab 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.

With such a large range of rates, the only way to know who has the cheapest car insurance rates is to do a rate comparison and see how they stack up. Every company uses a different method to calculate rates, and quoted rates will be substantially different.

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Chart shows Dodge Dakota Bighorn Ext Cab 4WD insurance rates for different coverage choices and risks. The cheapest rate with discounts is $791. Drivers who use higher $1,000 deductibles will pay $1,166. The average rate for a driver around age 40 using $500 deductibles is $1,356. Using lower $100 deductibles for comprehensive and collision insurance can cost as much as $1,722. Drivers with multiple violations and accidents could be charged up to $2,904. The policy rate for full coverage for a teenage driver is $4,948.

View Chart as Image