Dodge Dakota Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 5, 2023
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The average insurance rates for a Dodge Dakota are $964 a year for full coverage. Comprehensive insurance costs on average $132 each year, collision costs $152, and liability costs around $500. Buying just liability costs as low as $560 a year, with insurance for high-risk drivers costing $2,064 or more. Teens cost the most to insure at $4,006 a year or more.
Average premium for full coverage: $964
Policy rates by type of insurance:
Price estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Prices are averaged for all states and Dakota models.
Price Range Variability
Using a 40-year-old driver as an example, Dodge Dakota insurance rates go from as low as $560 for a discount liability-only rate to a high rate of $2,064 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Where you live can have significant affects on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than cities with more traffic congestion.
The graphic below illustrates how rural and urban location affects car insurance rates.
The examples above show why all drivers should compare prices based on a specific location and risk profile, instead of using 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 shows estimated Dodge Dakota insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $600
- Using higher $1,000 deductibles will save around $66 a year
- The average rate for a good driver age 40 with $500 deductibles is $964
- Selecting low deductibles for physical damage coverage will cost an extra $124 every year
- Drivers with serious driving violations could pay upwards of $2,064 or more
- Policy cost for full coverage for a teen driver may cost $4,006 or more
Insurance rates for a Dodge Dakota also range considerably based on your risk profile, the trim level of your Dakota, and policy deductibles and limits.
More mature drivers with a clean driving record and high deductibles may pay as little as $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay upwards of $4,000 a year. View Rates by Age
Your home state has a huge impact on Dodge Dakota insurance prices. A driver around age 40 might see rates as low as $640 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,380 on average in Michigan, Louisiana, and New York.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $190 every year, whereas increasing liability limits will cost you more. Going 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 could be paying at a minimum $1,100 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers can be as much as 42% to 127% more than the average policy. View High Risk Driver Rates
Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison and see which company has the best rate. Each insurance company calculates rates differently, so the rates will be varied from one company to the next.
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 | $154 | $182 | $530 | $1,046 |
| 2008 Dodge Dakota | $150 | $168 | $510 | $1,008 |
| 2007 Dodge Dakota | $138 | $160 | $504 | $982 |
| 2006 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 Cheaper Dodge Dakota Insurance
Finding cheaper rates on car insurance requires avoiding accidents and violations, maintaining good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Set aside time to shop around every year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.
The list below is a condensed summary of the coverage data raised in the charts and tables above.
- Drivers can save as much as $100 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles can save around $200 each year
- Teenagers pay the highest rates, costing up to $334 each month for full coverage
- Higher risk drivers with multiple at-fault accidents will pay on average $1,100 more each year for car insurance
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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