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 auto insurance rates for a Dodge Dakota are $964 annually for full coverage insurance. Comprehensive costs approximately $132, collision insurance costs $152, and liability coverage is estimated at $500. Buying just liability costs approximately $560 a year, and insurance for high-risk drivers costs around $2,064. Teens receive the highest rates at up to $4,006 a year.

Average premium for full coverage: $964

Rate estimates by individual coverage type:

Comprehensive $132
Collision $152
Liability $500

Rates are based on $500 deductible amounts, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for different Dakota trim levels.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from as cheap as $560 for basic liability insurance to a much higher rate of $2,064 for high-risk insurance.

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

Price Range by Location

Living in a larger city has a large influence on the price of auto insurance. Rural locations tend to have fewer physical damage claims than cities with more traffic congestion. The price range example below illustrates how location helps determine auto insurance prices.

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

These examples illustrate why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, rather than using averaged prices.

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.

Rate Comparisons

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

  • The cheapest rate after discounts is $600
  • Choosing higher $1,000 deductibles can save $66 each year
  • The estimated rate for a 40-year-old driver who chooses $500 deductibles is $964
  • Selecting more expensive low deductibles for comp and collision coverage will cost $1,088
  • Drivers with serious driving violations could pay around $2,064
  • The cost with full coverage for a teenage driver with full coverage can 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

Auto insurance rates for a Dodge Dakota can also vary considerably based on the trim level of your Dakota, your risk profile, and physical damage deductibles and liability limits.

An older driver with a good driving record and high physical damage deductibles may only pay around $900 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $4,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,100 to $1,700 in extra premium per year, depending on your age. High-risk driver insurance ranges around 42% to 127% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $190 a year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 extra every year. 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 $630 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,300 on average in Florida, New York, and Michigan.

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 $170 $222 $534 $1,106
2008 Dodge Dakota $154 $182 $530 $1,046
2007 Dodge Dakota $152 $178 $520 $1,030
2006 Dodge Dakota $150 $168 $510 $1,008
2005 Dodge Dakota $138 $160 $504 $982
2004 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 auto insurance takes having a good driving record, having above-average credit, avoid buying unnecessary coverage, and possibly higher deductibles. Invest time comparing rates every couple of years by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The next list is a quick review of the material that was covered in the charts and tables above.

  • Consumers who purchase increased levels of liability coverage will pay approximately $550 annually to raise limits from a minimum limit to higher 250/500 limits
  • Drivers age 20 and younger have the highest car insurance rates, costing up to $334 per month if full coverage is included
  • Drivers with a DUI or reckless driving violation could be forced to pay on average $1,100 more per year to buy Dodge Dakota insurance
  • Increasing deductibles could save up to $200 each year

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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