Dodge Dakota Insurance Rates

Estimated auto insurance rates for a Dodge Dakota are $964 annually for full coverage. Comprehensive costs approximately $132, collision costs $152, and liability coverage costs around $500. Liability-only coverage costs as low as $560 a year, with high-risk coverage costing around $2,064. 16-year-old drivers pay the most at $4,006 a year or more.

Average premium for full coverage: $964

Premium estimates by type of coverage:

Full coverage includes $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and for different Dakota trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. Rural locations are statistically proven to have fewer accident claims than congested cities.

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

These rate differences show why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, rather than using rate averages.

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

More Rate Information

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

• The best full coverage rate is $600
• Using higher $1,000 deductibles will save $66 a year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $964
• Buying more expensive low deductibles for physical damage coverage will cost $1,088
• Higher-risk drivers with multiple tickets or accidents could pay around $2,064 or more
• An auto insurance policy with full coverage for a teenage driver with full coverage can cost $4,006 or more

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

An older driver with a clean driving record and high physical damage deductibles may only pay around $900 a year, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect 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 could be paying anywhere from $1,100 to $1,700 extra annually, depending on your age. High-risk driver insurance can be around 42% to 127% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $190 a year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Dodge Dakota insurance rates. A driver around age 40 might see prices as low as $640 a year in states like Iowa, Maine, and Idaho, or at least $1,380 on average in New York, Louisiana, and Michigan.

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With such a large range in prices, the only way to know who has the cheapest car insurance prices is to compare prices and see how they stack up. Each insurance company utilizes a different rate formula, so the prices will be substantially different between companies.

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.

How to Buy More Affordable Dodge Dakota Insurance

Finding better rates on auto insurance requires being safe and accident-free, having a good credit history, not filing small claims, and maximizing policy discounts. Take the time to compare rates every couple of years by obtaining price quotes from direct carriers, and also from several local insurance agents.

Below you'll find a summary of the material that was covered in the above illustrations.

• Consumers who purchase more liability protection will pay around $550 each year to increase from 30/60 bodily injury limits to higher 250/500 limits
• Youthful drivers are expensive to insure, as much as $334 per month including comprehensive and collision insurance
• Drivers who have multiple accidents or major violations pay on average $1,100 more per year than a low-risk driver
• Increasing policy deductibles could save up to $200 each year