Dodge Dakota Insurance Rates

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

Average premium for full coverage: $964

Price estimates by individual coverage:

These estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and Dakota models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on insurance rates. Rural areas have lower incidents of physical damage claims than cities with more traffic congestion.

The graphic below illustrates how location helps determine car insurance rates.

The ranges above illustrate why all drivers should compare rates based on a specific location, rather than using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $600
• Drivers who choose higher $1,000 deductibles will pay around $66 each year
• The estimated price for the average middle-age driver with $500 deductibles is $964
• Selecting low deductibles for comprehensive and collision insurance bumps up the cost to $1,088
• High-risk insureds with serious driving violations could pay upwards of $2,064 or more
• The price that insures a teenage driver may cost $4,006 a year

View Chart as Image

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

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,100 to $1,700 additional each year, depending on your age. Insurance for high-risk drivers can cost around 42% to 127% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $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 upwards of $4,000 a year. View Rates by Age

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

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $190 a year, whereas increasing liability limits will cost you more. 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 exactly what you will pay is to do a rate comparison and see how they stack up. Every company calculates prices differently, 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 auto insurance not only requires being a low-risk driver, but also having a good credit score, not filing small claims, and insuring your home and auto with the same company. Compare rates at least once a year by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The items below are a brief summary of the primary concepts that were covered in the charts and tables above.

• It is possible to save as much as $100 per year simply by quoting online in advance
• Drivers that tend to have accidents or serious violations may pay on average $1,100 more each year to insure their Dakota
• Increasing physical damage deductibles can save approximately $200 each year
• Teen drivers pay higher prices, as much as $334 a month if comprehensive and collision insurance is included