Dodge Dakota Insurance Rates

U.S. average insurance rates for a Dodge Dakota are $964 a year with full coverage. Comprehensive insurance costs approximately $132, collision insurance costs $152, and liability insurance costs around $500. A policy with just liability insurance costs as low as $560 a year, and coverage for high-risk drivers costs $2,064 or more. Teenage drivers pay the highest rates at up to $4,006 a year.

Average premium for full coverage: $964

Price estimates by individual coverage:

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for different Dakota trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on the price of insurance. Rural locations have lower incidents of collision claims than densely populated cities. The price range example below illustrates the difference location can make on auto insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare prices using their specific location, rather than relying on average rates.

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

Rate Comparisons

The chart below details average Dodge Dakota insurance rates for additional coverage and risk scenarios.

• The best discount rate is $600
• Using higher $1,000 deductibles will save $66 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $964
• Using more expensive low deductibles for physical damage coverage will cost an additional $124 a year
• Drivers who are prone to accidents and violations could pay around $2,064
• The price that insures a teen driver with full coverage can cost $4,006 or more

View Chart as Image

Insurance prices for a Dodge Dakota are also quite variable based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,100 to $1,700 extra each year, depending on your age. High-risk driver insurance can be anywhere from 42% to 127% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $900 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,000 a year. View Rates by Age

The state you live in has a huge impact on Dodge Dakota insurance rates. A driver around age 40 might see prices as low as $700 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,300 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $190 each year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

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 Affordable Dodge Dakota Insurance

Getting lower rates on Dodge Dakota insurance requires avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Compare prices every couple of years by obtaining price quotes from direct companies, and also from local insurance agencies.

The list below is a brief review of the material that was touched on in this article.

• Drivers who purchase higher liability limits will pay an extra $550 every year to increase from a low limit to the 250/500 level
• Teenagers are expensive to insure, costing up to $334 a month if full coverage is included
• High-risk drivers with DUI or reckless driving convictions may have to pay on average $1,100 more per year for car insurance
• Increasing physical damage deductibles can save approximately $200 each year