Dodge Dakota Insurance Rates

The average auto insurance rates for a Dodge Dakota are $964 annually including full coverage. Comprehensive insurance costs approximately $132, collision costs $152, and liability coverage is estimated at $500. Liability-only coverage costs approximately $560 a year, with high-risk coverage costing $2,064 or more. Teenage drivers cost the most to insure at $4,006 a year or more.

Average premium for full coverage: $964

Policy rates by type of insurance:

Estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Dakota trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than densely populated cities.

The price range example below illustrates how where you live affects auto insurance prices.

The examples above highlight why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, rather than using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $600
• Choosing higher $1,000 deductibles can save $66 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $964
• Using more expensive low deductibles for comp and collision coverage costs an additional $124 each year
• Drivers who are prone to accidents and violations could pay around $2,064 or more
• Policy cost with full coverage for a teenage driver with full coverage can cost $4,006 each year

View Chart as Image

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

An older driver with no violations or accidents and high physical damage deductibles may only pay around $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $4,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,100 to $1,700 additional every year, depending on your age. High-risk driver insurance ranges around 42% to 127% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $190 a year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

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 $740 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,380 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to compare rates and see how they stack up. Each auto insurer uses a different method to calculate rates, and rates will be varied between companies.

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 Buy Low Cost Dodge Dakota Insurance

Finding cheaper rates on auto insurance takes being a safe and courteous driver, having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to comparison shop every time your policy renews by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below is a review of the information touched on in the above illustrations.

• You may be able to save around $100 per year simply by shopping early and online
• Teenage drivers are the costliest to insure, with premiums being up to $334 each month if they have full coverage
• Increasing comprehensive and collision deductibles could save up to $200 each year
• Drivers who have several accidents or serious violations may have to pay on average $1,100 more per year for auto insurance
• Consumers who purchase higher levels of liability will pay an extra $550 per year to raise limits from a 30/60 limit to higher 250/500 limits