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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Average auto insurance rates for a Dodge Dakota are $964 annually with full coverage. Comprehensive insurance costs around $132 each year, collision costs $152, and liability insurance is estimated at $500. Liability-only coverage costs approximately $560 a year, with high-risk coverage costing $2,064 or more. Teenage drivers receive the highest rates at $4,006 a year or more.
Average premium for full coverage: $964
Rate estimates for individual coverage type:
Rates are based on $500 deductible amounts, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and Dakota models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as cheap as $560 for a discount liability-only rate to a high rate of $2,064 for a driver that may need high-risk insurance.
Price Range by Location
Living in a larger city has a significant impact on insurance rates. Areas with sparse population tend to have fewer collision claims than densely populated cities.
The graphic below illustrates how where you live affects auto insurance rates.
These examples demonstrate why all drivers should get quotes for a specific zip code and their own personal driving habits, rather than relying on average rates.
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.
Rates by State, City, and Model
The chart below details estimated Dodge Dakota insurance rates for additional coverage choices and driver risks.
- The best discount rate is $600
- Choosing higher $1,000 deductibles can save about $66 annually
- The estimated rate for a 40-year-old driver using $500 deductibles is $964
- Using low deductibles for comp and collision coverage costs an additional $124 a year
- High-risk insureds who are prone to accidents and violations could pay at least $2,064 or more
- The cost with full coverage for a teen driver can be $4,006 each year
Car insurance rates for a Dodge Dakota can also vary considerably based on the trim level of your Dakota, your driving record, and deductibles and policy limits.
More mature drivers with no driving violations and high physical damage deductibles could pay as little as $900 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged as much as $4,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at least $1,100 to $1,700 extra per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 42% to 127% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can save as much as $190 each year, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Dodge Dakota insurance rates. A good driver about age 40 could pay as low as $700 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,300 on average in Florida, Michigan, and New York.
| 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% |
With so much variability in rates, the best way to find out your exact price is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate rates, so rate quotes can be significantly different 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 | $154 | $182 | $530 | $1,046 |
| 2008 Dodge Dakota | $150 | $168 | $510 | $1,008 |
| 2007 Dodge Dakota | $138 | $160 | $504 | $982 |
| 2006 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 Best Cheap Dodge Dakota Insurance
Saving money on Dodge Dakota insurance takes having a good driving record, having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Take the time to comparison shop once a year by obtaining price quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.
The next list is a quick review of the data that was touched on in the above illustrations.
- You may be able to save up to $100 per year simply by quoting online in advance
- Drivers who may need increased levels of liability coverage will pay an extra $550 every year to raise limits from a minimum limit to higher 250/500 limits
- Drivers age 20 and younger are the costliest to insure, with premiums as much as $334 per month if comprehensive and collision insurance is included
- High-risk drivers with a DUI or reckless driving violation may pay on average $1,100 more every year to buy Dodge Dakota insurance
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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