Dodge Dakota Laramie Crew Cab 4WD Insurance Rates

Average auto insurance rates for a Dodge Dakota Laramie Crew Cab 4WD are $1,494 annually including full coverage. Comprehensive costs on average $368 each year, collision costs $604, and liability coverage costs around $364. Buying just liability costs as low as $430 a year, with insurance for high-risk drivers costing around $3,206. Teenage drivers receive the highest rates at $5,382 a year or more.

Annual premium for full coverage: $1,494

Rate estimates 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

Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than densely populated cities.

The graphic below illustrates how your location can change car insurance rates.

These differences highlight why all drivers should compare prices based on a specific location and their own personal driving habits, rather than using average rates.

Use the form below to get rates for your location.

Auto insurance rates for a Dodge Dakota Laramie Crew Cab 4WD can also vary considerably based on the model year of your Dakota, your driving characteristics, and policy deductibles and limits.

More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,400 a year for full coverage. Prices are much higher for teen drivers, where even without any violations or accidents they will have to pay upwards of $5,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,700 to $2,400 in extra premium per year, depending on your age. Insurance for high-risk drivers can be around 45% to 127% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $650 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $327 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Dodge Dakota Laramie Crew Cab 4WD insurance rates. A driver around age 40 might see prices as low as $1,060 a year in states like , Indiana, and North Carolina, or be forced to pay as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

With so much variability in prices, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate prices, and quoted rates can be significantly different between companies.

View Chart as Image

The chart above shows average Dodge Dakota Laramie Crew Cab 4WD insurance prices for different situations. The cheapest price with discounts is $860. Drivers who use higher $1,000 deductibles will pay about $1,272. The average price for a 40-year-old male driver using $500 deductibles is $1,494. Using lower $100 deductibles for collision and other-than-collision coverage could cost up to $1,918. Drivers with multiple violations and accidents could be charged as much as $3,206. The policy rate for full coverage insurance for a teen driver can be as high as $5,382.

View Chart as Image