Dodge Dakota Insurance Rates

The average insurance rates for a Dodge Dakota are $964 a year for full coverage insurance. Comprehensive insurance costs approximately $132 a 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:

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Dakota trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on auto insurance prices.

The examples above illustrate why it is important to compare prices using their specific location and risk profile, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $600
• Using higher $1,000 deductibles will save $898 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $964
• Selecting low $100 deductibles for physical damage coverage will cost an extra $124 annually
• High-risk insureds with serious driving violations could pay around $2,064 or more
• Policy cost for full coverage for a 16-year-old driver can cost $4,006 or more

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 pay as low 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 in the ballpark 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 $630 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,300 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $190 annually, 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 can be from 42% to 127% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes from multiple companies. 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

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 the Best Cheap Dodge Dakota Insurance

Finding cheaper rates on insurance for a Dodge Dakota requires avoiding accidents and violations, maintaining good credit, being claim-free, and maximizing policy discounts. Take the time to compare rates at every policy renewal 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 quick review of the data covered in the above illustrations.

• Insureds who purchase higher liability limits will pay approximately $550 annually to increase from a 30/60 limit to 250/500 limits
• It is possible to save around $100 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save around $200 each year
• Teenagers are expensive to insure, possibly costing $334 each month for full coverage