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...
Licensed Insurance Agent
UPDATED: Jun 5, 2023
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U.S. average insurance prices for a Dodge Dakota are $964 every 12 months for full coverage. Comprehensive insurance costs around $132, collision costs $152, and liability is $500. Liability-only coverage costs around $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 for individual coverage:
These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for different Dakota trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Dodge Dakota insurance prices go from the cheapest price of $560 for basic liability insurance to a much higher rate of $2,064 for a driver who requires high-risk insurance.
Geographic Price Range
Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population have more infrequent accident claims than densely populated cities.
The price range example below illustrates how where you live affects auto insurance rates.
The ranges above show why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, 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.
Rate Comparisons
The chart below shows estimated Dodge Dakota insurance rates for additional coverage choices and driver risks.
- The best discount rate is $600
- Raising to $1,000 deductibles will save about $66 a year
- The average price for the average middle-age driver using $500 deductibles is $964
- Using more expensive low deductibles costs an extra $124 every year
- At-risk drivers who are prone to accidents and violations could pay at least $2,064 or more
- The price to insure a teen driver with full coverage can be $4,006
Auto insurance prices for a Dodge Dakota are also quite variable based on deductibles and policy limits, your driver profile, and the trim level and model year.
Using high physical damage deductibles can reduce prices by up to $190 every year, while increasing your policy's liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as little as $900 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay as much as $4,000 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying at least $1,100 to $1,700 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 42% to 127% more than a normal policy. View High Risk Driver Rates
The state you live in also has a big influence on Dodge Dakota insurance prices. A middle-age driver might find prices as low as $640 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $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% |
Since prices can be so different, the only way to know your exact price is to compare prices and see which company has the best price. Every auto 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 | $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 Shop for Cheap Dodge Dakota Insurance
Getting lower rates on car insurance consists of being a good driver, having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop at every other renewal by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The following list is a brief summary of the concepts that were touched on in the above illustrations.
- Higher risk drivers that tend to have accidents or serious violations may pay on average $1,100 more every year than a safer driver
- Drivers age 16 to 20 are expensive to insure, with premiums as much as $334 a month if comprehensive and collision insurance is included
- Drivers can save up to $100 per year simply by shopping early and online
- Increasing physical damage deductibles could save as much as $200 each year
- Drivers can save up to $100 per year simply by shopping early and online
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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