Dodge Dakota Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 5, 2023
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The average auto insurance rates for a Dodge Dakota are $964 annually for full coverage insurance. Comprehensive costs on average $132, collision costs $152, and liability costs $500. Liability-only coverage costs as little as $560 a year, with high-risk coverage costing around $2,064. 16-year-old drivers cost the most to insure at $4,006 a year or more.
Average premium for full coverage: $964
Policy rates by type of insurance:
Includes $500 deductible amounts, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different Dakota trim levels.
Price Range Variability
For the average driver, Dodge Dakota insurance rates go from as cheap as $560 for minimum levels of liability insurance to a much higher rate of $2,064 for a high-risk driver policy.
Urban vs. Rural Price Range
Your location can have significant affects on insurance rates. Rural areas are shown to have fewer physical damage claims than congested cities.
The price range example below illustrates how location impacts car insurance rates.
The examples above illustrate why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, instead of using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below illustrates estimated Dodge Dakota insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $600
- Drivers who choose higher $1,000 deductibles will pay around $66 each year
- The estimated rate for a good driver age 40 with $500 deductibles is $964
- Buying more expensive low deductibles for comprehensive and collision insurance will cost $1,088
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,064 or more
- Policy cost with full coverage for a teen driver with full coverage may cost $4,006 a year
Insurance rates for a Dodge Dakota also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.
An older driver with no violations or accidents and high physical damage deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $4,000 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,100 to $1,700 additional every year, depending on your age. High-risk driver insurance can cost as much as 42% to 127% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $190 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit
Your home state 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 at least $1,300 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $872 | -$92 | -9.5% |
| Alaska | $740 | -$224 | -23.2% |
| Arizona | $800 | -$164 | -17.0% |
| Arkansas | $964 | -$0 | 0.0% |
| California | $1,098 | $134 | 13.9% |
| Colorado | $920 | -$44 | -4.6% |
| Connecticut | $990 | $26 | 2.7% |
| Delaware | $1,092 | $128 | 13.3% |
| Florida | $1,206 | $242 | 25.1% |
| Georgia | $890 | -$74 | -7.7% |
| Hawaii | $690 | -$274 | -28.4% |
| Idaho | $654 | -$310 | -32.2% |
| Illinois | $716 | -$248 | -25.7% |
| Indiana | $726 | -$238 | -24.7% |
| Iowa | $650 | -$314 | -32.6% |
| Kansas | $914 | -$50 | -5.2% |
| Kentucky | $1,314 | $350 | 36.3% |
| Louisiana | $1,428 | $464 | 48.1% |
| Maine | $596 | -$368 | -38.2% |
| Maryland | $796 | -$168 | -17.4% |
| Massachusetts | $770 | -$194 | -20.1% |
| Michigan | $1,672 | $708 | 73.4% |
| Minnesota | $806 | -$158 | -16.4% |
| Mississippi | $1,154 | $190 | 19.7% |
| Missouri | $856 | -$108 | -11.2% |
| Montana | $1,036 | $72 | 7.5% |
| Nebraska | $760 | -$204 | -21.2% |
| Nevada | $1,156 | $192 | 19.9% |
| New Hampshire | $696 | -$268 | -27.8% |
| New Jersey | $1,078 | $114 | 11.8% |
| New Mexico | $854 | -$110 | -11.4% |
| New York | $1,016 | $52 | 5.4% |
| North Carolina | $556 | -$408 | -42.3% |
| North Dakota | $790 | -$174 | -18.0% |
| Ohio | $666 | -$298 | -30.9% |
| Oklahoma | $988 | $24 | 2.5% |
| Oregon | $884 | -$80 | -8.3% |
| Pennsylvania | $918 | -$46 | -4.8% |
| Rhode Island | $1,286 | $322 | 33.4% |
| South Carolina | $874 | -$90 | -9.3% |
| South Dakota | $814 | -$150 | -15.6% |
| Tennessee | $844 | -$120 | -12.4% |
| Texas | $1,162 | $198 | 20.5% |
| Utah | $712 | -$252 | -26.1% |
| Vermont | $660 | -$304 | -31.5% |
| Virginia | $578 | -$386 | -40.0% |
| Washington | $744 | -$220 | -22.8% |
| West Virginia | $884 | -$80 | -8.3% |
| Wisconsin | $668 | -$296 | -30.7% |
| Wyoming | $860 | -$104 | -10.8% |
Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates and see which company has the best rate. Every company utilizes a different rate formula, and rates will be varied between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Dakota Bighorn Ext Cab 2WD | $1,008 | $84 |
| Dodge Dakota ST Ext Cab 2WD | $1,008 | $84 |
| Dodge Dakota Lonestar Ext Cab 2WD | $1,022 | $85 |
| Dodge Dakota ST Crew Cab 2WD | $1,022 | $85 |
| Dodge Dakota Bighorn Crew Cab 2WD | $1,036 | $86 |
| Dodge Dakota Lonestar Crew Cab 2WD | $1,036 | $86 |
| Dodge Dakota Bighorn Ext Cab 4WD | $876 | $73 |
| Dodge Dakota Laramie Crew Cab 2WD | $1,066 | $89 |
| Dodge Dakota ST Ext Cab 4WD | $876 | $73 |
| Dodge Dakota Bighorn Crew Cab 4WD | $890 | $74 |
| Dodge Dakota Lonestar Ext Cab 4WD | $890 | $74 |
| Dodge Dakota ST Crew Cab 4WD | $890 | $74 |
| Dodge Dakota Lonestar Crew Cab 4WD | $906 | $76 |
| Dodge Dakota TRX Crew Cab 4WD | $906 | $76 |
| Dodge Dakota TRX Crew Cab 4WD | $906 | $76 |
| Dodge Dakota Laramie Crew Cab 4WD | $920 | $77 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Dodge Dakota | $160 | $202 | $534 | $1,076 |
| 2008 Dodge Dakota | $152 | $178 | $520 | $1,030 |
| 2007 Dodge Dakota | $150 | $168 | $510 | $1,008 |
| 2006 Dodge Dakota | $138 | $160 | $504 | $982 |
| 2005 Dodge Dakota | $132 | $152 | $500 | $964 |
Rates are averaged for all Dodge Dakota models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy the Cheapest Dodge Dakota Insurance
Finding cheaper rates on car insurance not only requires having a good driving record, but also having good credit, being claim-free, and insuring your home and auto with the same company. Spend time shopping around every time your policy renews by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The next list is a recap of the information touched on above.
- It is possible to save as much as $100 per year simply by shopping early and online
- Drivers age 20 and younger pay higher rates, possibly costing $334 each month if they have full coverage
- Increasing comprehensive and collision deductibles could save up to $200 each year
- Higher risk drivers that have major violations or accidents may pay on average $1,100 more each year to buy Dodge Dakota insurance
- Policyholders who require increased levels of liability coverage will pay around $550 annually to go from a 30/60 limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,006 |
| 20 | $2,204 |
| 30 | $972 |
| 40 | $964 |
| 50 | $888 |
| 60 | $868 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,088 |
| $250 | $1,032 |
| $500 | $964 |
| $1,000 | $898 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $964 |
| 50/100 | $1,008 |
| 100/300 | $1,119 |
| 250/500 | $1,406 |
| 100 CSL | $1,053 |
| 300 CSL | $1,296 |
| 500 CSL | $1,473 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,612 |
| 20 | $3,508 |
| 30 | $2,072 |
| 40 | $2,064 |
| 50 | $1,978 |
| 60 | $1,958 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $47 |
| Multi-vehicle | $52 |
| Homeowner | $18 |
| 5-yr Accident Free | $54 |
| 5-yr Claim Free | $59 |
| Paid in Full/EFT | $31 |
| Advance Quote | $40 |
| Online Quote | $63 |
| Total Discounts | $364 |
Discounts are estimated and may not be available from every company or in every state.
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