Dodge Dakota Lonestar Crew Cab 2WD Insurance Rates

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Estimated insurance rates for a Dodge Dakota Lonestar Crew Cab 2WD are $1,524 a year for full coverage. Comprehensive insurance costs around $298 each year, collision insurance costs $572, and liability coverage costs around $454. A liability-only policy costs as low as $538 a year, and high-risk insurance costs $3,294 or more. Teen drivers pay the most at up to $5,768 a year.

Annual premium for full coverage: $1,524

Premium estimates for individual coverage:

Comprehensive $298
Collision $572
Liability $454

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

Price Range for Insurance for this Dodge Dakota Trim Level

For the average 40-year-old driver, insurance rates for a Dodge Dakota Lonestar Crew Cab 2WD range from as low as $538 for your basic liability-only policy to a high rate of $3,294 for coverage for higher-risk drivers.

Liability Only $538
Full Coverage $1,524
High Risk $3,294

These rate differences show why all drivers should compare prices for a specific zip code and risk profile, rather than using price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Companies with Cheap Dodge Dakota Lonestar Crew Cab 2WD Insurance

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Auto insurance rates for a Dodge Dakota Lonestar Crew Cab 2WD also have a wide range based on your driving characteristics, the model year of your Dakota, and deductibles and policy limits.

More mature drivers with a good driving record and high deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Rates are highest for drivers in their teens, where even good drivers will have to pay as much as $5,700 a year. View Rates by Age

Where you choose to live has a huge impact on Dodge Dakota Lonestar Crew Cab 2WD insurance rates. A driver around age 40 might see rates as low as $900 a year in states like Idaho, Maine, and Iowa, or as much as $1,950 on average in Michigan, Louisiana, and Montana. Rates by state and city are shown later in the article.

Choosing high deductibles could cut rates by as much as $590 a year, whereas increasing liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost up to $408 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at least $1,800 to $2,500 in extra premium annually, depending on your age. Insurance for high-risk drivers can be around 43% to 132% more than average. View High Risk Driver Rates

With such a large range of rates, the only way to know your exact price is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, and quoted rates will be substantially different from one company to the next.

View Chart as Image

Dodge Dakota Lonestar Crew Cab 2WD insurance cost comparison chart
Column chart showing Dodge Dakota Lonestar Crew Cab 2WD insurance prices range from $888 to $5,768 for full coverage

Chart shows Dodge Dakota Lonestar Crew Cab 2WD insurance rates for various risk profiles and scenarios. The cheapest rate with discounts is $888. Drivers who choose higher $1,000 deductibles will pay around $1,328. The average rate for a driver age 40 with no violations using $500 deductibles is $1,524. Using lower $100 deductibles for comprehensive and collision insurance could cost up to $1,910. High risk drivers could be charged up to $3,294. The policy rate for full coverage for a 16-year-old driver can be as high as $5,768.

Dodge Dakota Lonestar Crew Cab 2WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,376 -$148 -9.7%
Alaska $1,168 -$356 -23.4%
Arizona $1,264 -$260 -17.1%
Arkansas $1,524 -$0 0.0%
California $1,736 $212 13.9%
Colorado $1,456 -$68 -4.5%
Connecticut $1,564 $40 2.6%
Delaware $1,724 $200 13.1%
Florida $1,904 $380 24.9%
Georgia $1,406 -$118 -7.7%
Hawaii $1,092 -$432 -28.3%
Idaho $1,034 -$490 -32.2%
Illinois $1,134 -$390 -25.6%
Indiana $1,148 -$376 -24.7%
Iowa $1,030 -$494 -32.4%
Kansas $1,446 -$78 -5.1%
Kentucky $2,078 $554 36.4%
Louisiana $2,254 $730 47.9%
Maine $940 -$584 -38.3%
Maryland $1,256 -$268 -17.6%
Massachusetts $1,216 -$308 -20.2%
Michigan $2,644 $1,120 73.5%
Minnesota $1,274 -$250 -16.4%
Mississippi $1,824 $300 19.7%
Missouri $1,354 -$170 -11.2%
Montana $1,638 $114 7.5%
Nebraska $1,200 -$324 -21.3%
Nevada $1,826 $302 19.8%
New Hampshire $1,098 -$426 -28.0%
New Jersey $1,702 $178 11.7%
New Mexico $1,348 -$176 -11.5%
New York $1,602 $78 5.1%
North Carolina $876 -$648 -42.5%
North Dakota $1,248 -$276 -18.1%
Ohio $1,052 -$472 -31.0%
Oklahoma $1,562 $38 2.5%
Oregon $1,396 -$128 -8.4%
Pennsylvania $1,454 -$70 -4.6%
Rhode Island $2,032 $508 33.3%
South Carolina $1,380 -$144 -9.4%
South Dakota $1,286 -$238 -15.6%
Tennessee $1,334 -$190 -12.5%
Texas $1,836 $312 20.5%
Utah $1,128 -$396 -26.0%
Vermont $1,040 -$484 -31.8%
Virginia $912 -$612 -40.2%
Washington $1,176 -$348 -22.8%
West Virginia $1,396 -$128 -8.4%
Wisconsin $1,054 -$470 -30.8%
Wyoming $1,356 -$168 -11.0%

View Chart as Image

Dodge Dakota Lonestar Crew Cab 2WD insurance rates by U.S. city

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Rates by Driver Age

Dodge Dakota Lonestar Crew Cab 2WD Insurance Rates by Driver Age
Driver Age Premium
16 $5,768
20 $3,534
30 $1,584
40 $1,524
50 $1,392
60 $1,364

Full coverage, $500 deductibles

Rates by Deductible

Dodge Dakota Lonestar Crew Cab 2WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,910
$250 $1,730
$500 $1,524
$1,000 $1,328

Full coverage, driver age 40

Rates by Liability Limit

Dodge Dakota Lonestar Crew Cab 2WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,524
50/100 $1,615
100/300 $1,728
250/500 $2,023
100 CSL $1,660
300 CSL $1,910
500 CSL $2,092

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Dakota Lonestar Crew Cab 2WD Insurance Rates for High Risk Drivers
Age Premium
16 $8,208
20 $5,612
30 $3,360
40 $3,294
50 $3,148
60 $3,114

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $211

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $79
Multi-vehicle $79
Homeowner $22
5-yr Accident Free $111
5-yr Claim Free $97
Paid in Full/EFT $68
Advance Quote $74
Online Quote $106
Total Discounts $636
Rate after discounts $888

Discounts are estimated and may not be available from every company or in every state.

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