Dodge Dakota Lonestar Crew Cab 4WD Insurance Rates

The average insurance prices for a Dodge Dakota Lonestar Crew Cab 4WD are $1,448 every 12 months for full coverage insurance. Comprehensive costs on average $354 each year, collision costs $572, and liability insurance costs around $364. Liability-only coverage costs as low as $430 a year, with high-risk coverage costing around $3,106. Teen drivers cost the most to insure at $5,236 a year or more.

Annual premium for full coverage: $1,448

Policy rates 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

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. Rural areas are shown to have more infrequent physical damage claims than larger metro areas.

The graphic below illustrates how where you live affects car insurance rates.

These price differences illustrate why all drivers should compare prices based on a specific location and their own driving history, rather than relying on price averages.

Use the form below to get rates for your location.

Insurance prices for a Dodge Dakota Lonestar Crew Cab 4WD also range considerably based on liability limits and deductibles, your risk profile, and the model year of your Dakota.

Choosing high deductibles could cut rates by as much as $620 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $327 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay upwards of $5,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,700 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 132% more than average. View High Risk Driver Rates

Your home state has a huge impact on Dodge Dakota Lonestar Crew Cab 4WD insurance rates. A driver around age 40 might see rates as low as $1,180 a year in states like North Carolina, , and , or as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

Because rates have so much variability, the only way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Each insurance company uses a different rate calculation, and rates will be varied.

View Chart as Image

The chart estimates Dodge Dakota Lonestar Crew Cab 4WD insurance rates for different coverage choices and risks. The lowest rate with discounts is $837. Drivers who choose higher $1,000 deductibles will pay $1,238. The average rate for a 40-year-old male driver using $500 deductibles is $1,448. Using lower $100 deductibles for physical damage coverage could cost up to $1,854. High risk drivers could be charged around $3,106. The policy rate for full coverage insurance for a teen driver can be as high as $5,236.

View Chart as Image