Dodge Dakota Insurance Rates

The average insurance prices for a Dodge Dakota are $964 every 12 months with full coverage. Comprehensive insurance costs approximately $132 a year, collision costs $152, and liability coverage costs around $500. Liability-only insurance costs as low as $560 a year, with high-risk driver insurance 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:

Price estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and Dakota trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of insurance. Rural locations are shown to have more infrequent collision claims than densely populated cities.

The diagram below illustrates the difference location can make on auto insurance prices.

The examples above demonstrate why it is important to compare prices using their specific location and their own driving history, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $600
• Using higher $1,000 deductibles will save $898 annually
• The average price for a good driver age 40 who chooses $500 deductibles is $964
• Using low $100 deductibles for physical damage coverage costs an extra $124 each year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,064 or more
• Policy cost to insure a teenage driver can cost $4,006 or more

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Auto insurance rates for a Dodge Dakota also range considerably based on liability limits and deductibles, your driving record, and the model of your Dakota.

Using high physical damage deductibles could cut rates by as much as $190 a year, while buying higher liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have 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 were responsible for an accident, you may be forking out anywhere from $1,100 to $1,700 in extra premium every 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

Your home state has a huge impact on Dodge Dakota insurance rates. A driver around age 40 might see rates as low as $700 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,300 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes and see how they stack up. Each insurance company uses a different method to calculate rates, and quoted rates will be varied.

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 Shop for Cheaper Dodge Dakota Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and violations, having a good credit score, not filing small claims, and not having any coverage lapses. Make time to compare rates every other policy renewal by obtaining price quotes from direct companies, and also from insurance agencies where you live.

The list below is a condensed summary of the ideas that were touched on in this article.

• Teenagers have the highest car insurance rates, as much as $334 each month if comprehensive and collision insurance is included
• Drivers with multiple at-fault accidents could be forced to pay on average $1,100 more per year for car insurance
• Increasing comprehensive and collision deductibles could save as much as $200 each year
• You may be able to save around $100 per year simply by quoting early and online