Dodge Dakota Insurance Rates

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

Average premium for full coverage: $964

Price estimates for individual coverage:

These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and for all Dakota models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than densely populated cities.

The example below illustrates how your location can change auto insurance rates.

The ranges above illustrate why everyone should compare rates for a specific zip code, instead of using average rates.

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

Additional Rate Details

The chart below illustrates estimated Dodge Dakota insurance rates for additional coverage choices and driver risks.

• The best discount rate is $600
• Drivers who choose higher $1,000 deductibles will pay about $66 each year
• The estimated price for the average middle-age driver using $500 deductibles is $964
• Using pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,088
• Higher-risk drivers who are prone to accidents and violations could pay at least $2,064 or more
• The price that insures a teen driver for full coverage can be $4,006 a year

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Insurance prices for a Dodge Dakota are also quite variable based on the model of your Dakota, your age and driving record, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are probably paying at least $1,100 to $1,700 additional each year, depending on your age. Dodge Dakota insurance for high-risk drivers can cost as much as 42% to 127% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $900 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $4,000 a year. View Rates by Age

The state you live in makes a big difference in Dodge Dakota insurance prices. A 40-year-old driver could pay as low as $630 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,300 on average in Michigan, New York, and Florida.

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Using high physical damage deductibles could save up to $190 every year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out your exact price is to regularly compare prices and see which company has the best price. Every company uses a different method to calculate prices, and prices may be quite 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

Getting lower rates on car insurance not only requires being a good driver, but also having a good credit score, not filing small claims, and taking advantage of discounts. Compare prices every other policy renewal by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

The following list is a brief summary of the ideas that were illustrated above.

• Drivers age 16 to 20 are charged the highest prices, as much as $334 a month if comprehensive and collision insurance is included
• Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,100 more every year than a safer driver
• Increasing physical damage deductibles can save approximately $200 each year
• It is possible to save up to $100 per year simply by quoting online well ahead of the renewal date