Dodge Dakota Insurance Rates

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:

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

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.

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.

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

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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.

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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.

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