Dodge Dakota Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: Jun 5, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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

Average premium for full coverage: $964

Policy rates broken down by type of insurance:

Comprehensive $132
Collision $152
Liability $500

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and Dakota models.

Price Range Variability

For the average 40-year-old driver, Dodge Dakota insurance rates go from the low end price of $560 for a discount liability-only rate to a high rate of $2,064 for a driver who has had serious violations or accidents.

Liability Only $560
Full Coverage $964
High Risk $2,064

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on insurance rates. More rural locations are shown to have lower incidents of accident claims than densely populated cities.

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

Rural Areas $723
Small Cities $1,012
Large Cities $1,301

The examples above show why all drivers should compare rates quotes for a targeted area, instead of using average rates.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rates by State, City, and Model

The chart below shows estimated Dodge Dakota insurance rates for other coverage scenarios.

  • The best discount rate is $600
  • Raising to $1,000 deductibles will save approximately $66 a year
  • The estimated price for a good driver age 40 who has $500 deductibles is $964
  • Using low deductibles bumps up the cost to $1,088
  • At-risk drivers who are prone to accidents and violations could pay up to $2,064 or more
  • Policy cost that insures a teen driver can cost as much as $4,006

View Chart as Image

Dodge Dakota insurance cost comparison chart
Column chart showing full coverage Dodge Dakota insurance rates range from $600 to $4,006

Insurance rates for a Dodge Dakota also range considerably based on the trim level and model year, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,100 to $1,700 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 42% to 127% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,000 a year. View Rates by Age

Your home state also has a big influence on Dodge Dakota insurance prices. A middle-age driver might find rates as low as $640 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,380 on average in New York, Louisiana, and Michigan.

Dodge Dakota Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $872 -$92 -9.5%
Alaska $740 -$224 -23.2%
Arizona $800 -$164 -17.0%
Arkansas $964 -$0 0.0%
California $1,098 $134 13.9%
Colorado $920 -$44 -4.6%
Connecticut $990 $26 2.7%
Delaware $1,092 $128 13.3%
Florida $1,206 $242 25.1%
Georgia $890 -$74 -7.7%
Hawaii $690 -$274 -28.4%
Idaho $654 -$310 -32.2%
Illinois $716 -$248 -25.7%
Indiana $726 -$238 -24.7%
Iowa $650 -$314 -32.6%
Kansas $914 -$50 -5.2%
Kentucky $1,314 $350 36.3%
Louisiana $1,428 $464 48.1%
Maine $596 -$368 -38.2%
Maryland $796 -$168 -17.4%
Massachusetts $770 -$194 -20.1%
Michigan $1,672 $708 73.4%
Minnesota $806 -$158 -16.4%
Mississippi $1,154 $190 19.7%
Missouri $856 -$108 -11.2%
Montana $1,036 $72 7.5%
Nebraska $760 -$204 -21.2%
Nevada $1,156 $192 19.9%
New Hampshire $696 -$268 -27.8%
New Jersey $1,078 $114 11.8%
New Mexico $854 -$110 -11.4%
New York $1,016 $52 5.4%
North Carolina $556 -$408 -42.3%
North Dakota $790 -$174 -18.0%
Ohio $666 -$298 -30.9%
Oklahoma $988 $24 2.5%
Oregon $884 -$80 -8.3%
Pennsylvania $918 -$46 -4.8%
Rhode Island $1,286 $322 33.4%
South Carolina $874 -$90 -9.3%
South Dakota $814 -$150 -15.6%
Tennessee $844 -$120 -12.4%
Texas $1,162 $198 20.5%
Utah $712 -$252 -26.1%
Vermont $660 -$304 -31.5%
Virginia $578 -$386 -40.0%
Washington $744 -$220 -22.8%
West Virginia $884 -$80 -8.3%
Wisconsin $668 -$296 -30.7%
Wyoming $860 -$104 -10.8%

View Chart as Image

Dodge Dakota insurance rates by U.S. city

Using high physical damage deductibles can reduce rates by up to $190 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and 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.

Dodge Dakota Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2010 Dodge Dakota $154 $182 $530 $1,046
2008 Dodge Dakota $150 $168 $510 $1,008
2007 Dodge Dakota $138 $160 $504 $982
2006 Dodge Dakota $132 $152 $500 $964

Rates are averaged for all Dodge Dakota models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Low Cost Dodge Dakota Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Compare prices every other policy renewal by getting quotes from direct carriers, and also from your local independent and exclusive agents.

The points below are a review of the ideas that were touched on in this article.

  • Drivers under the age of 20 are expensive to insure, costing up to $334 each month if comprehensive and collision insurance is included
  • Higher risk drivers who have several accidents or serious violations may pay on average $1,100 more annually to insure a Dodge Dakota
  • Increasing comprehensive and collision deductibles can save approximately $200 each year
  • Drivers can save approximately $100 per year simply by quoting online in advance

Rates by Driver Age

Dodge Dakota Insurance Rates by Driver Age
Driver Age Premium
16 $4,006
20 $2,204
30 $972
40 $964
50 $888
60 $868

Full coverage, $500 deductibles

Rates by Deductible

Dodge Dakota Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,088
$250 $1,032
$500 $964
$1,000 $898

Full coverage, driver age 40

Rates by Liability Limit

Dodge Dakota Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $964
50/100 $1,008
100/300 $1,119
250/500 $1,406
100 CSL $1,053
300 CSL $1,296
500 CSL $1,473

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Dakota Insurance Rates for High Risk Drivers
Age Premium
16 $5,612
20 $3,508
30 $2,072
40 $2,064
50 $1,978
60 $1,958

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $126

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $47
Multi-vehicle $52
Homeowner $18
5-yr Accident Free $54
5-yr Claim Free $59
Paid in Full/EFT $31
Advance Quote $40
Online Quote $63
Total Discounts $364
Rate after discounts $600

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles