Dodge Dakota Insurance Rates

U.S. average insurance rates for a Dodge Dakota are $964 a year with full coverage. Comprehensive insurance costs approximately $132 a year, collision costs $152, and liability is estimated at $500. Liability-only coverage costs approximately $560 a year, with high-risk coverage costing $2,064 or more. Teen drivers pay the highest rates at $4,006 a year or more.

Average premium for full coverage: $964

Price estimates by individual coverage:

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and Dakota trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on the price of insurance. Rural locations have lower incidents of collision claims than larger metro areas.

The diagram below illustrates how geographic area affects auto insurance prices.

The ranges above demonstrate why it is important to get quotes using their specific location, instead of using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $600
• Choosing higher $1,000 deductibles can save $898 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $964
• Choosing low $100 deductibles for comp and collision coverage will cost an additional $124 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay around $2,064 or more
• The price that insures a teen driver can cost $4,006 each year

View Chart as Image

Auto insurance prices for a Dodge Dakota are also quite variable based on the trim level of your Dakota, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,100 to $1,700 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges as much as 42% to 127% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $900 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $4,000 a year. View Rates by Age

The state you live in plays a big part in determining prices for Dodge Dakota insurance prices. A good driver about age 40 could pay as low as $700 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,300 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can save as much as $190 every year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to get quotes and see which company has the best price. Each auto insurer uses a different rate calculation, and quoted prices may be quite different.

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 Low Cost Dodge Dakota Insurance

Getting lower rates on car insurance takes avoiding accidents and claims, maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Shop around every other policy renewal by obtaining price quotes from direct companies, and also from local insurance agencies.

The points below are a review of the ideas that were presented in the illustrations above.

• Drivers under the age of 20 have the highest car insurance prices, costing up to $334 a month if the policy includes full coverage
• Higher risk drivers who have several accidents or serious violations may have to pay on average $1,100 more per year to insure a Dodge Dakota
• Increasing physical damage deductibles can save approximately $200 each year
• You may be able to save around $100 per year simply by quoting early and online