Dodge Dakota Insurance Rates

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

Average premium for full coverage: $964

Premium estimates for type of coverage:

Rate estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and Dakota trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences demonstrate why it is important to compare rates quotes for a specific zip code and risk profile, rather than using average rates.

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

Rate Comparisons

The chart below details estimated Dodge Dakota insurance rates for additional coverage choices and driver risks.

• The best discount rate is $600
• Raising to $1,000 deductibles will save about $898 annually
• The average rate for a 40-year-old good driver using $500 deductibles is $964
• Using low $100 deductibles will increase the cost to $1,088
• Unlucky drivers who are prone to accidents and violations could pay at least $2,064 or more
• An auto insurance policy for full coverage for a teenage driver can be $4,006

View Chart as Image

Insurance prices for a Dodge Dakota also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.

Older drivers with no violations or accidents and high deductibles may only pay around $900 every 12 months on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay as much as $4,000 a year. View Rates by Age

Where you choose to live also has a big influence on Dodge Dakota insurance rates. A middle-age driver might find prices 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.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $190 a year, while buying higher liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at least $1,100 to $1,700 additional annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 127% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to find out your exact price is to get quotes and see how they stack up. Every auto insurance company uses a different method to calculate prices, and prices will be substantially different from one company to the next.

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 Find the Best Dodge Dakota Insurance

Finding better rates on auto insurance consists of being a low-risk driver, having a good credit history, being claim-free, and taking advantage of discounts. Set aside time to compare rates at least once a year by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The items below are a brief recap of the primary concepts that were covered above.

• You may be able to save up to $100 per year simply by quoting early and online
• Drivers who tend to receive serious violations pay an average of $1,100 more every year to insure their Dakota
• Increasing policy deductibles can save around $200 each year
• Teen drivers are charged the highest prices, possibly costing $334 per month including comprehensive and collision insurance