Dodge Dakota Insurance Rates

The average insurance rates for a Dodge Dakota are $964 a year including full coverage. Comprehensive insurance costs approximately $132 a year, collision costs $152, and liability coverage costs $500. Buying just liability costs as little as $560 a year, with insurance for high-risk drivers costing $2,064 or more. Teen drivers cost the most to insure at $4,006 a year or more.

Average premium for full coverage: $964

Policy rates by type of insurance:

Rate estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Dakota trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how location helps determine auto insurance prices.

The examples above highlight why it is important to compare rates using their specific location and risk profile, rather than using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $600
• Drivers who choose higher $1,000 deductibles will pay $898 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $964
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an extra $124 each year
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,064 or more
• Policy cost for full coverage for a teenage driver can cost $4,006 a year

View Chart as Image

Insurance rates for a Dodge Dakota also range considerably based on your risk profile, the model of your Dakota, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $4,000 a year. View Rates by Age

Your home state makes a big difference in Dodge Dakota insurance rates. A 40-year-old driver could pay as low as $740 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,380 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $190 a year, while buying higher liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,100 to $1,700 extra every year, depending on your age. A high-risk auto insurance policy can cost around 42% to 127% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes and see how they stack up. Every company uses a different rate calculation, so the rates will be varied 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 cheaper rates on auto insurance not only requires being a low-risk driver, but also maintaining good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest time comparing rates every couple of years by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The items below are a brief recap of the material that was covered in the charts and tables above.

• Consumers who purchase more liability coverage will pay about $550 per year to go from a 30/60 limit to 250/500 limits
• Teen drivers are expensive to insure, with premiums being up to $334 each month for full coverage
• Drivers who tend to receive serious violations could be forced to pay on average $1,100 more per year to insure their Dakota
• Increasing comprehensive and collision deductibles can save around $200 each year