Dodge Dakota Insurance Rates

U.S. average insurance rates for a Dodge Dakota are $964 a year including full coverage. Comprehensive insurance costs on average $132 a year, collision insurance costs $152, and liability coverage costs around $500. Liability-only coverage costs as low as $560 a year, and high-risk coverage costs $2,064 or more. Teenage drivers pay the highest rates at up to $4,006 a year.

Average premium for full coverage: $964

Price estimates by individual coverage:

Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and Dakota trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates how your location can change car insurance rates.

The ranges above highlight why it is important to compare prices based on a specific location, rather than using average rates.

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

Additional Rate Details

The chart below breaks down average Dodge Dakota insurance rates for different risk profiles and scenarios.

• The best discount rate is $600
• Using higher $1,000 deductibles will save around $898 every year
• The estimated price for the average middle-age driver with $500 deductibles is $964
• Using low $100 deductibles for physical damage coverage will cost an additional $124 each year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,064
• The price that insures a teenage driver may cost $4,006 or more

View Chart as Image

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

If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,100 to $1,700 in extra premium each year, depending on your age. A high-risk auto insurance policy can be around 42% to 127% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $900 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay upwards of $4,000 a year. View Rates by Age

The state you live in has a huge impact on Dodge Dakota insurance rates. A driver around age 40 might see prices as low as $740 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,380 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $190 a year, while buying higher liability limits will cost you more. Changing 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

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 Right Dodge Dakota Insurance

Getting lower rates on auto insurance requires having a decent driving record, maintaining a good credit score, being claim-free, and deciding if full coverage is necessary. Compare prices every couple of years by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

The following items are a quick rundown of the material that was illustrated above.

• Consumers who require additional liability coverage will pay an extra $550 per year to increase from a low limit to the 250/500 level
• 16 to 18-year-old drivers are charged the highest prices, possibly costing $334 a month if the policy includes full coverage
• Drivers with reckless driving or DUI convictions could be forced to pay on average $1,100 more each year than a driver with a clean driving record
• Increasing physical damage deductibles can save approximately $200 each year