Dodge Dakota ST Crew Cab 4WD Insurance Rates

U.S. average insurance prices for a Dodge Dakota ST Crew Cab 4WD are $1,402 every 12 months for full coverage. Comprehensive costs around $340 a year, collision insurance costs $540, and liability insurance costs $364. Liability-only coverage costs as little as $430 a year, and high-risk coverage costs around $3,004. Teen drivers pay the highest rates at up to $5,092 a year.

Annual premium for full coverage: $1,402

Price estimates for individual coverage type:

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

Price Range for Insurance for this Dodge Dakota Trim Level

Geographic Price Range

Your location has a significant impact on auto insurance rates. Areas with sparse population have more infrequent accident claims than larger metro areas. The diagram below illustrates how rural and urban location affects auto insurance rates.

These price ranges show why it is important for drivers to compare rates for a specific zip code and their own driving history, rather than relying on price averages.

Use the form below to get rates for your location.

Auto insurance rates for a Dodge Dakota ST Crew Cab 4WD are also quite variable based on deductibles and policy limits, your driver profile, and the actual cash value of your Dakota.

Choosing high deductibles could save up to $590 each year, while buying higher liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will increase rates by as much as $327 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teenage drivers, since even excellent drivers will have to pay as much as $5,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying at least $1,600 to $2,200 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 128% more than average. View High Risk Driver Rates

The state you live in makes a big difference in Dodge Dakota ST Crew Cab 4WD insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Idaho, Maine, and Iowa, or as much as $1,950 on average in Michigan, Louisiana, and Montana. Rates by state and city are shown later in the article.

Since rates can be so different, the only way to know your exact price is to get quotes from as many companies as possible. Every company uses a different rate calculation, and quoted rates may be quite different.

View Chart as Image

Chart shows Dodge Dakota ST Crew Cab 4WD insurance rates for various coverage choices and risks. The lowest rate with discounts is $814. Drivers who choose higher $1,000 deductibles will pay $1,202. The average rate for a driver age 40 with no violations using $500 deductibles is $1,402. Choosing low $100 deductibles for comprehensive and collision insurance can cost as much as $1,788. High risk drivers could be charged at least $3,004. The cost for full coverage insurance for a 16-year-old driver is $5,092.

View Chart as Image