Dodge Dakota Insurance Rates

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UPDATED: Jun 5, 2023

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The average insurance prices for a Dodge Dakota are $964 every 12 months with full coverage. Comprehensive costs on average $132, collision costs $152, and liability is $500. A liability-only policy costs around $560 a year, with high-risk insurance costing around $2,064. 16-year-old 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:

Comprehensive $132
Collision $152
Liability $500

Prices include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for all Dakota models.

Price Range Variability

For a 40-year-old driver, Dodge Dakota insurance rates go from the cheapest price of $560 for your basic liability-only policy to the much higher price of $2,064 for a high-risk insurance policy.

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

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas are shown to have more infrequent collision claims than congested cities.

The example below illustrates how your location can change car insurance rates.

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

The examples above demonstrate why everyone should compare rates quotes based on a specific location and their own driving history, instead of making a decision based on rate averages.

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.

More Rate Information

The chart below details estimated Dodge Dakota insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $600
  • Raising to $1,000 deductibles will save around $66 annually
  • The average price for a good driver age 40 with $500 deductibles is $964
  • Buying pricier low deductibles increases the price to $1,088
  • Drivers with multiple tickets or accidents could pay upwards of $2,064 or more
  • Policy cost to insure a 16-year-old driver for full coverage may cost $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

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

Opting for high physical damage deductibles can reduce rates by up to $190 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as low as $900 every 12 months on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will be charged upwards 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 at a minimum $1,100 to $1,700 extra every year, depending on your age. Dodge Dakota insurance for high-risk drivers is expensive and can cost from 42% to 127% more than the average rate. View High Risk Driver Rates

Your home state also has a big influence on Dodge Dakota insurance prices. A middle-age driver might find rates as low as $700 a year in states like New Hampshire, Ohio, and Utah, or at least $1,300 on average in Florida, Michigan, and New York.

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

Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates from multiple companies. Every auto insurance company utilizes a different rate formula, so rate quotes 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 Shop for the Right Dodge Dakota Insurance

Finding cheaper rates on insurance for a Dodge Dakota consists of being a low-risk driver, maintaining a good credit score, not filing small claims, and maximizing policy discounts. Invest the time to shop around at least every other year by requesting quotes from direct companies, and also from local exclusive and independent agents.

The items below are a quick rundown of the car insurance concepts illustrated above.

  • Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,100 more each year to insure their Dakota
  • You may be able to save as much as $100 per year simply by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles could save as much as $200 each year
  • Insureds who require more liability coverage will pay around $550 every year to raise from a 30/60 limit to a 250/500 level

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.

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