Dodge Dakota Insurance Rates
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UPDATED: Jun 5, 2023
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U.S. average insurance rates for a Dodge Dakota are $964 a year including full coverage. Comprehensive insurance costs an estimated $132 a year, collision costs $152, and liability costs around $500. Liability-only coverage costs as low as $560 a year, with high-risk coverage costing $2,064 or more. Teenage drivers pay the highest rates at $4,006 a year or more.
Average premium for full coverage: $964
Price estimates broken down by individual coverage:
Prices are based on $500 deductible amounts, 30/60 split liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Dakota trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Dodge Dakota insurance prices go from the low end price of $560 for just liability insurance to a high of $2,064 for a high-risk insurance policy.
Geographic Price Range
Where you live can have significant affects on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than densely populated cities.
The diagram below illustrates how rural and urban location affects insurance prices.
The ranges above highlight why it is important to compare prices for a targeted area, instead of using average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below breaks down estimated Dodge Dakota insurance rates for other coverage scenarios.
- The best discount rate is $600
- Using higher $1,000 deductibles will save approximately $898 every year
- The estimated price for the average middle-age driver who has $500 deductibles is $964
- Using low $100 deductibles for physical damage coverage will cost an additional $124 every year
- Drivers who are prone to accidents and violations could pay up to $2,064 or more
- The price that insures a teen driver can cost as much as $4,006 or more
Auto insurance prices for a Dodge Dakota are also quite variable based on the trim level of your Dakota, your driving record and age, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you are likely paying $1,100 to $1,700 in extra premium each year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 127% more than a normal policy. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $900 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay at least $4,000 a year. View Rates by Age
The state you live in has a huge impact on Dodge Dakota insurance prices. A driver around age 40 might see prices as low as $740 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,380 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $872 | -$92 | -9.5% |
| Alaska | $740 | -$224 | -23.2% |
| Arizona | $800 | -$164 | -17.0% |
| Arkansas | $964 | -$0 | 0.0% |
| California | $1,098 | $134 | 13.9% |
| Colorado | $920 | -$44 | -4.6% |
| Connecticut | $990 | $26 | 2.7% |
| Delaware | $1,092 | $128 | 13.3% |
| Florida | $1,206 | $242 | 25.1% |
| Georgia | $890 | -$74 | -7.7% |
| Hawaii | $690 | -$274 | -28.4% |
| Idaho | $654 | -$310 | -32.2% |
| Illinois | $716 | -$248 | -25.7% |
| Indiana | $726 | -$238 | -24.7% |
| Iowa | $650 | -$314 | -32.6% |
| Kansas | $914 | -$50 | -5.2% |
| Kentucky | $1,314 | $350 | 36.3% |
| Louisiana | $1,428 | $464 | 48.1% |
| Maine | $596 | -$368 | -38.2% |
| Maryland | $796 | -$168 | -17.4% |
| Massachusetts | $770 | -$194 | -20.1% |
| Michigan | $1,672 | $708 | 73.4% |
| Minnesota | $806 | -$158 | -16.4% |
| Mississippi | $1,154 | $190 | 19.7% |
| Missouri | $856 | -$108 | -11.2% |
| Montana | $1,036 | $72 | 7.5% |
| Nebraska | $760 | -$204 | -21.2% |
| Nevada | $1,156 | $192 | 19.9% |
| New Hampshire | $696 | -$268 | -27.8% |
| New Jersey | $1,078 | $114 | 11.8% |
| New Mexico | $854 | -$110 | -11.4% |
| New York | $1,016 | $52 | 5.4% |
| North Carolina | $556 | -$408 | -42.3% |
| North Dakota | $790 | -$174 | -18.0% |
| Ohio | $666 | -$298 | -30.9% |
| Oklahoma | $988 | $24 | 2.5% |
| Oregon | $884 | -$80 | -8.3% |
| Pennsylvania | $918 | -$46 | -4.8% |
| Rhode Island | $1,286 | $322 | 33.4% |
| South Carolina | $874 | -$90 | -9.3% |
| South Dakota | $814 | -$150 | -15.6% |
| Tennessee | $844 | -$120 | -12.4% |
| Texas | $1,162 | $198 | 20.5% |
| Utah | $712 | -$252 | -26.1% |
| Vermont | $660 | -$304 | -31.5% |
| Virginia | $578 | -$386 | -40.0% |
| Washington | $744 | -$220 | -22.8% |
| West Virginia | $884 | -$80 | -8.3% |
| Wisconsin | $668 | -$296 | -30.7% |
| Wyoming | $860 | -$104 | -10.8% |
Using high physical damage deductibles could cut prices by as much as $190 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to figure out which car insurance is cheapest is to get quotes and see which company has the best price. Each insurance company uses a different method to calculate prices, and quoted prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Dakota Bighorn Ext Cab 2WD | $1,008 | $84 |
| Dodge Dakota ST Ext Cab 2WD | $1,008 | $84 |
| Dodge Dakota Lonestar Ext Cab 2WD | $1,022 | $85 |
| Dodge Dakota ST Crew Cab 2WD | $1,022 | $85 |
| Dodge Dakota Bighorn Crew Cab 2WD | $1,036 | $86 |
| Dodge Dakota Lonestar Crew Cab 2WD | $1,036 | $86 |
| Dodge Dakota Bighorn Ext Cab 4WD | $876 | $73 |
| Dodge Dakota Laramie Crew Cab 2WD | $1,066 | $89 |
| Dodge Dakota ST Ext Cab 4WD | $876 | $73 |
| Dodge Dakota Bighorn Crew Cab 4WD | $890 | $74 |
| Dodge Dakota Lonestar Ext Cab 4WD | $890 | $74 |
| Dodge Dakota ST Crew Cab 4WD | $890 | $74 |
| Dodge Dakota Lonestar Crew Cab 4WD | $906 | $76 |
| Dodge Dakota TRX Crew Cab 4WD | $906 | $76 |
| Dodge Dakota TRX Crew Cab 4WD | $906 | $76 |
| Dodge Dakota Laramie Crew Cab 4WD | $920 | $77 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Dodge Dakota | $170 | $222 | $534 | $1,106 |
| 2008 Dodge Dakota | $154 | $182 | $530 | $1,046 |
| 2007 Dodge Dakota | $152 | $178 | $520 | $1,030 |
| 2006 Dodge Dakota | $150 | $168 | $510 | $1,008 |
| 2005 Dodge Dakota | $138 | $160 | $504 | $982 |
| 2004 Dodge Dakota | $132 | $152 | $500 | $964 |
Rates are averaged for all Dodge Dakota models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Affordable Dodge Dakota Insurance
Getting lower rates on car insurance requires having a good driving record, maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Compare prices at least every other year by getting quotes from direct car insurance companies, and also from your local car insurance providers.
The next list is a brief review of the car insurance concepts raised in the charts and tables above.
- Higher risk drivers with DUI or reckless driving convictions could be charged and average of $1,100 more annually to buy Dodge Dakota insurance
- You may be able to save approximately $100 per year simply by quoting early and online
- Increasing physical damage deductibles can save approximately $200 each year
- Policyholders who want increased levels of liability coverage will pay an extra $550 per year to increase from a low limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,006 |
| 20 | $2,204 |
| 30 | $972 |
| 40 | $964 |
| 50 | $888 |
| 60 | $868 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,088 |
| $250 | $1,032 |
| $500 | $964 |
| $1,000 | $898 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $964 |
| 50/100 | $1,008 |
| 100/300 | $1,119 |
| 250/500 | $1,406 |
| 100 CSL | $1,053 |
| 300 CSL | $1,296 |
| 500 CSL | $1,473 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,612 |
| 20 | $3,508 |
| 30 | $2,072 |
| 40 | $2,064 |
| 50 | $1,978 |
| 60 | $1,958 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $47 |
| Multi-vehicle | $52 |
| Homeowner | $18 |
| 5-yr Accident Free | $54 |
| 5-yr Claim Free | $59 |
| Paid in Full/EFT | $31 |
| Advance Quote | $40 |
| Online Quote | $63 |
| Total Discounts | $364 |
Discounts are estimated and may not be available from every company or in every state.
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