Dodge Dakota ST Ext Cab 4WD Insurance Rates

Estimated auto insurance rates for a Dodge Dakota ST Ext Cab 4WD are $1,356 annually with full coverage. Comprehensive costs approximately $326, collision insurance costs $508, and liability insurance costs $364. Liability-only coverage costs as little as $430 a year, and high-risk coverage costs around $2,904. Teenage drivers pay the most at up to $4,948 a year.

Annual premium for full coverage: $1,356

Premium estimates by type of coverage:

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

Price Range for Insurance for this Dodge Dakota Trim Level

Insurance Price Range by Location

Your location has a significant impact on the price of insurance. Rural locations are statistically proven to have fewer collision claims than densely populated cities. The example below illustrates how location helps determine auto insurance prices.

These rate differences demonstrate why everyone should compare rates using their specific location and their own personal driving habits, rather than relying on average rates.

Use the form below to get rates for your location.

Insurance rates for a Dodge Dakota ST Ext Cab 4WD also have a wide range based on the replacement cost of your Dakota, your driving record, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $4,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out anywhere from $1,600 to $2,200 extra annually, depending on your age. Dodge Dakota ST Ext Cab 4WD insurance for high-risk drivers can cost anywhere from 44% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $560 each year, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $327 more per year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Dodge Dakota ST Ext Cab 4WD insurance rates. A 40-year-old driver could pay as low as $970 a year in states like Vermont, Ohio, and Indiana, or be forced to pay as much as $1,790 on average in Montana, Michigan, and New Jersey. Rates by state and city are shown later in the article.

With such a large range of prices, the best way to find out which car insurance is cheapest is to regularly compare prices from as many companies as possible. Every company uses a different method to calculate prices, so the rates will be substantially different between companies.

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The chart above shows Dodge Dakota ST Ext Cab 4WD insurance prices for various situations. The lowest price with discounts is $791. Drivers who use higher $1,000 deductibles will pay about $1,166. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,356. Selecting more expensive $100 deductibles for comp and collision coverage can cost as much as $1,722. Drivers with multiple violations and accidents could be charged up to $2,904. The rate for full coverage insurance for a teenager is $4,948.

View Chart as Image