Dodge Dakota Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 5, 2023

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Average insurance prices for a Dodge Dakota are $964 every 12 months for full coverage. Comprehensive insurance costs around $132 each year, collision insurance costs $152, and liability insurance costs around $500. A policy with just liability insurance costs as low as $560 a year, and coverage for high-risk drivers costs $2,064 or more. Teen drivers receive the highest rates at up to $4,006 a year.

Average premium for full coverage: $964

Rate estimates for individual coverage type:

Comprehensive $132
Collision $152
Liability $500

Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all states and Dakota models.

Price Range by Coverage and Risk

For the normal driver, prices range range from the cheapest price of $560 for the bare minimum liability coverage to a high rate of $2,064 for coverage for higher-risk drivers.

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

Price Range by Location

Where you live has a significant impact on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than larger metro areas. The graphic below illustrates how geographic area affects auto insurance rates.

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

These examples show why all drivers should compare prices for a specific zip code and their own driving history, rather than relying on price 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 Information

The chart below shows average Dodge Dakota insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $600
  • Using higher $1,000 deductibles will save about $66 a year
  • The average price for a 40-year-old driver using $500 deductibles is $964
  • Choosing low deductibles for physical damage coverage costs an extra $124 a year
  • Drivers with multiple violations and an at-fault accident could pay at least $2,064
  • The cost to insure a teen driver can be $4,006 or more

View Chart as Image

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

Insurance rates for a Dodge Dakota can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.

Choosing high deductibles could cut rates by as much as $190 each year, whereas increasing liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $900 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay as much as $4,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at least $1,100 to $1,700 additional per year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 127% more than average. View High Risk Driver Rates

Where you live has a huge impact on Dodge Dakota insurance rates. A driver around age 40 might see rates as low as $640 a year in states like Idaho, Maine, and Iowa, or as much as $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 1991 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 $182 $244 $540 $1,146
2008 Dodge Dakota $160 $202 $534 $1,076
2007 Dodge Dakota $154 $182 $530 $1,046
2006 Dodge Dakota $152 $178 $520 $1,030
2005 Dodge Dakota $150 $168 $510 $1,008
2004 Dodge Dakota $138 $160 $504 $982
2003 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 the Best Dodge Dakota Insurance

Saving money on Dodge Dakota insurance requires avoiding accidents and violations, having above-average credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Invest the time to compare rates at least once a year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The list below is a brief recap of the primary concepts that were presented in the illustrations above.

  • Drivers can save up to $100 per year just by quoting online in advance
  • High-risk drivers who tend to receive serious violations may pay on average $1,100 more every year for car insurance
  • Increasing deductibles could save as much as $200 each year
  • Teenagers are charged the highest rates, costing as high as $334 per month if full coverage is included

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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