Dodge Dakota Bighorn Crew Cab 2WD Insurance Rates

Average insurance rates for a Dodge Dakota Bighorn Crew Cab 2WD are $1,524 a year including full coverage. Comprehensive costs on average $298 each year, collision costs $572, and liability coverage costs around $454. Only liability insurance costs as low as $538 a year, with high-risk insurance costing around $3,294. Teenage drivers receive the highest rates at $5,768 a year or more.

Annual premium for full coverage: $1,524

Rate estimates by individual coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Dodge Dakota Trim Level

Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than densely populated cities.

The graphic below illustrates the effect of geographic area on car insurance rates.

These differences highlight why all drivers should compare prices based on a specific location, rather than using average rates.

Use the form below to get rates for your location.

Insurance rates for a Dodge Dakota Bighorn Crew Cab 2WD can also vary considerably based on the actual cash value of your Dakota, your driving record and age, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,800 to $2,500 extra per year, depending on your age. Insurance for high-risk drivers can be around 43% to 132% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,400 a year for full coverage. Prices are much higher for teen drivers, since even teens with perfect driving records can expect to pay upwards of $5,700 a year. View Rates by Age

Where you live has a huge impact on Dodge Dakota Bighorn Crew Cab 2WD insurance rates. A driver around age 40 might see prices as low as $1,060 a year in states like , Indiana, and North Carolina, or be forced to pay as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut prices by as much as $590 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $408 more per year. View Rates by Deductible or Liability Limit

With so much variability in prices, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate prices, so the rates can be significantly different.

View Chart as Image

The chart above shows average Dodge Dakota Bighorn Crew Cab 2WD insurance prices for different risks and coverage choices. The cheapest price with discounts is $888. Drivers who use higher $1,000 deductibles will pay $1,328. The average price for a 40-year-old male driver using $500 deductibles is $1,524. Using lower $100 deductibles for collision and other-than-collision coverage could cost up to $1,910. Drivers with multiple violations and accidents could be charged as much as $3,294. The policy rate for full coverage insurance for a teen driver can be as high as $5,768.

View Chart as Image