Dodge Dakota Insurance Rates

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UPDATED: Jun 5, 2023

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The average insurance prices for a Dodge Dakota are $964 every 12 months for full coverage. Comprehensive costs on average $132, collision insurance costs $152, and liability insurance is estimated at $500. Buying just liability costs approximately $560 a year, and insurance for high-risk drivers costs around $2,064. 16-year-old drivers cost the most to insure at up to $4,006 a year.

Average premium for full coverage: $964

Policy rates by type of insurance:

Comprehensive $132
Collision $152
Liability $500

Prices are based on $500 physical damage deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for all Dakota models.

Price Range Variability

For the average driver, Dodge Dakota insurance rates range from the cheapest price of $560 for just the minimum liability insurance to the much higher price of $2,064 for a policy for a high-risk driver.

Liability Only $560
Full Coverage $964
High Risk $2,064

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas are shown to have more infrequent accident claims than congested cities. The example below illustrates how location impacts car insurance rates.

Rural Areas $723
Small Cities $1,012
Large Cities $1,301

The examples above show why everyone should get quotes based on a specific location and their own driving history, rather than relying on 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 Analysis

The chart below shows average Dodge Dakota insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $600
  • Choosing higher $1,000 deductibles can save around $66 a year
  • The average price for a good driver age 40 with $500 deductibles is $964
  • Buying pricier low deductibles for comp and collision coverage increases the price to $1,088
  • High-risk insureds with multiple tickets or accidents could pay upwards of $2,064
  • Policy cost to insure a teen driver for full coverage may cost $4,006 each year

View Chart as Image

Dodge Dakota insurance cost comparison chart
Column chart showing Dodge Dakota insurance rates range from $600 to $4,006 for full coverage

Insurance rates for a Dodge Dakota also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your Dakota.

Opting for high physical damage deductibles can save as much as $190 each year, whereas buying more liability protection will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay upwards of $4,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,100 to $1,700 extra every year, depending on your age. Dodge Dakota insurance for high-risk drivers ranges anywhere from 42% to 127% more than the average rate. View High Risk Driver Rates

Your home state plays a big part in determining prices for Dodge Dakota insurance rates. A good driver about age 40 could pay as low as $640 a year in states like Idaho, Maine, and Iowa, or at least $1,380 on average in Michigan, Louisiana, and New York.

Dodge Dakota Insurance Rates by State
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%

View Chart as Image

Dodge Dakota insurance rates by U.S. city

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.

Dodge Dakota Insurance Rates by Model Year
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 Shop for Affordable Dodge Dakota Insurance

Finding cheaper rates on Dodge Dakota insurance takes being a safe and courteous driver, having good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Spend time shopping around every year by requesting rates from direct carriers, and also from local independent and exclusive agents.

Below is a brief review of the coverage data touched on above.

  • Drivers can save as much as $100 per year just by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles could save as much as $200 each year
  • Teenage drivers pay the highest rates, costing up to $334 each month if they have full coverage
  • High-risk drivers with DUI or reckless driving convictions pay an average of $1,100 more each year for auto insurance

Rates by Driver Age

Dodge Dakota Insurance 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

Dodge Dakota Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,088
$250 $1,032
$500 $964
$1,000 $898

Full coverage, driver age 40

Rates by Liability Limit

Dodge Dakota Insurance Rates with Different Liability Limits
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

Dodge Dakota Insurance 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.

SR-22 Surcharge $126

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
Rate after discounts $600

Discounts are estimated and may not be available from every company or in every state.

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