Dodge Dakota Insurance Rates

Estimated insurance rates for a Dodge Dakota are $964 a year including full coverage. Comprehensive costs on average $132 each year, collision costs $152, and liability coverage costs $500. A liability-only policy costs as little as $560 a year, with high-risk insurance costing around $2,064. Teenage drivers pay the most at $4,006 a year or more.

Average premium for full coverage: $964

Premium estimates by type of coverage:

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and Dakota models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on car insurance rates. Rural areas are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how location impacts car insurance rates.

These rate differences highlight why all drivers should compare rates based on a specific location, rather than using average rates.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below breaks down estimated Dodge Dakota insurance rates for different risk profiles and scenarios.

• The best discount rate is $600
• Drivers who choose higher $1,000 deductibles will pay around $66 every year
• The estimated price for a 40-year-old good driver with $500 deductibles is $964
• Using low deductibles for comprehensive and collision insurance bumps up the cost to $1,088
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,064 or more
• An auto insurance policy that insures a teenage driver may cost $4,006 a year

View Chart as Image

Auto insurance prices for a Dodge Dakota also have a wide range based on the trim level and model year, your driving record and age, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are likely paying at a minimum $1,100 to $1,700 in extra premium annually, depending on your age. Insurance for high-risk drivers can cost around 42% to 127% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay upwards of $4,000 a year. View Rates by Age

Where you choose to live makes a big difference in Dodge Dakota insurance rates. A 40-year-old driver could pay as low as $740 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,380 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could save up to $190 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit

With such a large range 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. Every company uses a different method to calculate prices, and quoted prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Rates assume 1992 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Cheap Dodge Dakota Insurance

Finding better rates on auto insurance not only requires avoiding accidents and claims, but also maintaining a good credit score, refrain from filing small claims, and taking advantage of discounts. Compare prices every time your policy renews by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

The points below are a brief summary of the information touched on above.

• You may be able to save as much as $100 per year simply by quoting online in advance
• Drivers under the age of 20 are charged the highest prices, with the cost nearing $334 per month if the policy includes full coverage
• Increasing policy deductibles can save approximately $200 each year
• Drivers that tend to have accidents or serious violations could be forced to pay on average $1,100 more each year to insure a Dodge Dakota
• Consumers who require increased liability limits will pay an extra $550 per year to go from 30/60 bodily injury limits to the 250/500 level