Dodge Dakota Insurance Rates

Estimated auto insurance rates for a Dodge Dakota are $964 annually for full coverage insurance. Comprehensive insurance costs approximately $132, collision costs $152, and liability is $500. Liability-only insurance costs around $560 a year, with high-risk driver insurance costing $2,064 or more. Teenage drivers pay the most at $4,006 a year or more.

Average premium for full coverage: $964

Premium estimates by type of coverage:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for all Dakota models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than densely populated cities.

The example below illustrates the effect of geographic area on auto insurance prices.

These rate differences illustrate why everyone should compare rates quotes using their specific location and their own personal driving habits, instead of using average rates.

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

Rates by State, City, and Model

The chart below illustrates estimated Dodge Dakota insurance rates for additional coverage and risk scenarios.

• The best discount rate is $600
• Raising to $1,000 deductibles will save $66 each year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $964
• Using pricier low deductibles costs an additional $124 every year
• At-risk drivers who are prone to accidents and violations could pay around $2,064 or more
• An auto insurance policy with full coverage for a teen driver for full coverage can cost $4,006

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Insurance prices for a Dodge Dakota also have a wide range based on the model of your Dakota, your risk profile, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,000 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,100 to $1,700 additional annually, depending on your age. Dodge Dakota insurance for high-risk drivers is expensive and can cost as much as 42% to 127% more than a normal policy. View High Risk Driver Rates

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

Where you choose to live also has a big influence on Dodge Dakota insurance prices. A middle-age driver might find prices as low as $630 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,300 on average in Florida, New York, and Michigan.

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With such a large range in prices, the only way to figure out who has the best car insurance prices is to regularly compare prices and see which company has the best price. Every auto insurance company uses a different method to calculate prices, and prices will be substantially different between companies.

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 Buy the Best Dodge Dakota Insurance

Finding better rates on car insurance consists of being a good driver, having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to compare rates every time your policy renews by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

The following list is a brief recap of the information covered in the above illustrations.

• It is possible to save around $100 per year simply by quoting online well ahead of the renewal date
• Drivers age 16 to 20 are the costliest to insure, with premiums being up to $334 per month if they have full coverage
• Increasing policy deductibles could save up to $200 each year
• Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,100 more per year than a safer driver
• Policyholders who purchase an increased level of liability coverage will pay an extra $550 annually to raise from 30/60 bodily injury limits to higher 250/500 limits