Dodge Dakota Insurance Rates

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Cheapest 1991 Dodge Dakota Insurance Rates in 2025

Car insurance shopping is not something car owners enjoy, but unfortunately it's required to legally drive. Companies offer discounts so take them! The cost of insuring your cars can be expensive, but there could be available discounts that can drop the cost substantially. Larger premium reductions will be automatically applied when you get a quote, but less common discounts must be specially as...

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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 with full coverage. Comprehensive costs an estimated $132, collision costs $152, and liability insurance is $500. Buying just liability costs around $560 a year, with insurance for high-risk drivers costing around $2,064. Teens pay the highest rates at $4,006 a year or more.

Average premium for full coverage: $964

Price estimates broken down by individual coverage:

Comprehensive $132
Collision $152
Liability $500

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for different Dakota trim levels.

Price Range from Low to High

Using a 40-year-old driver as an example, Dodge Dakota insurance prices go from as low as $560 for a discount liability-only rate to a much higher rate of $2,064 for high-risk insurance.

Liability Only $560
Full Coverage $964
High Risk $2,064

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. More rural locations have a lower frequency of collision claims than cities with more traffic congestion.

The price range example below illustrates how rural and urban location affects insurance prices.

Rural Areas $723
Small Cities $1,012
Large Cities $1,301

The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, rather than relying on averaged prices.

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.

Rates by State, City, and Model

The chart below details estimated Dodge Dakota insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $600
  • Raising to $1,000 deductibles will save approximately $66 annually
  • The average rate for the average middle-age driver who has $500 deductibles is $964
  • Selecting more expensive low deductibles will increase the cost to $1,088
  • Higher-risk drivers with serious driving violations could pay up to $2,064 or more
  • The price for full coverage for a teen driver with full coverage can cost as much as $4,006

View Chart as Image

Dodge Dakota insurance cost comparison chart
Column chart showing full coverage Dodge Dakota insurance rates range from $600 to $4,006

Insurance prices for a Dodge Dakota are also quite variable based on your driving record, the trim level and model year, and liability limits and deductibles.

An older driver with no violations or accidents and high deductibles could pay as little as $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay at least $4,000 a year. View Rates by Age

The state you live in also has a big influence on Dodge Dakota insurance rates. A middle-age driver might find prices as low as $700 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,300 on average in New York, Michigan, and Florida.

Dodge Dakota Insurance Rates by State
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%

View Chart as Image

Dodge Dakota insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $190 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out $1,100 to $1,700 additional each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 42% to 127% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out which car insurance is cheapest is to compare prices from as many companies as possible. Every auto insurance company calculates prices differently, and prices may be quite different 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.

Dodge Dakota Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2010 Dodge Dakota $160 $202 $534 $1,076
2008 Dodge Dakota $152 $178 $520 $1,030
2007 Dodge Dakota $150 $168 $510 $1,008
2006 Dodge Dakota $138 $160 $504 $982
2005 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 Dodge Dakota insurance consists of avoiding accidents and violations, having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around every couple of years by obtaining price quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

The list below is a brief review of the material that was raised in the charts and tables above.

  • Drivers who want higher liability limits will pay approximately $550 every year to raise from a low limit to 250/500 limits
  • Teenagers are expensive to insure, costing up to $334 a month including comprehensive and collision insurance
  • High-risk drivers with DUI or reckless driving convictions may pay on average $1,100 more annually for car insurance
  • Increasing physical damage deductibles can save around $200 each year

Rates by Driver Age

Dodge Dakota Insurance 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

Dodge Dakota Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,088
$250 $1,032
$500 $964
$1,000 $898

Full coverage, driver age 40

Rates by Liability Limit

Dodge Dakota Insurance Rates with Different Liability Limits
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

Dodge Dakota Insurance 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.

SR-22 Surcharge $126

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
Rate after discounts $600

Discounts are estimated and may not be available from every company or in every state.

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