Dodge Dakota Insurance Rates

The average insurance rates for a Dodge Dakota are $964 a year for full coverage insurance. Comprehensive costs approximately $132 a year, collision insurance costs $152, and liability coverage is estimated at $500. Buying just liability costs approximately $560 a year, and insurance for high-risk drivers costs around $2,064. Teenage drivers cost the most to insure at up to $4,006 a year.

Average premium for full coverage: $964

Policy rates by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and Dakota trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates the difference location can make on auto insurance prices.

The examples above illustrate why it is important to get quotes using their specific location and risk profile, rather than using average rates.

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

Detailed Rate Analysis

The chart below illustrates average Dodge Dakota insurance rates for additional coverage and risk scenarios.

• The best discount rate is $600
• Choosing higher $1,000 deductibles can save $898 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $964
• Using low $100 deductibles for comp and collision coverage will increase the cost to $1,088
• Drivers who are prone to accidents and violations could pay around $2,064
• Policy cost for full coverage for a teenage driver can cost $4,006 each year

View Chart as Image

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

Older drivers with a clean driving record and high deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Rates are much higher 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 plays a big part in determining prices for Dodge Dakota insurance rates. A good driver about age 40 could pay as low as $630 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,300 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $190 a year, while buying higher liability limits will push rates upward. Switching 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 probably paying anywhere from $1,100 to $1,700 extra every year, depending on your age. A high-risk auto insurance policy ranges around 42% to 127% more than a normal policy. View High Risk Driver Rates

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 Cheaper Dodge Dakota Insurance

Finding cheaper rates on auto insurance takes avoiding accidents and violations, maintaining good credit, being claim-free, and possibly raising deductibles. Make time to compare rates every couple of years by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The list below is a condensed summary of the material that was touched on in this article.

• Consumers who purchase higher liability limits will pay an extra $550 annually to raise limits from a 30/60 limit to 250/500 limits
• Teenagers are expensive to insure, possibly costing $334 each month for full coverage
• Drivers with multiple at-fault accidents may pay on average $1,100 more per year for car insurance
• Increasing comprehensive and collision deductibles can save around $200 each year