Dodge Dakota Insurance Rates

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UPDATED: Jun 5, 2023

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Estimated auto insurance rates for a Dodge Dakota are $964 annually with full coverage. Comprehensive insurance costs on average $132, collision insurance costs $152, and liability costs around $500. A policy with only liability insurance costs as low as $560 a year, and a high-risk policy costs $2,064 or more. Teens pay the most at up to $4,006 a year.

Average premium for full coverage: $964

Premium estimates by type of coverage:

Comprehensive $132
Collision $152
Liability $500

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for all Dakota models.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for a Dodge Dakota range from as cheap as $560 for liability-only coverage to the much higher price of $2,064 for a driver who has had serious violations or accidents.

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

Insurance Price Range by Location

Where you live can make a big difference on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on car insurance rates.

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

These rate differences demonstrate why everyone should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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.

Additional Charts and Tables

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

  • The cheapest rate after discounts is $600
  • Using higher $1,000 deductibles will save around $66 annually
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $964
  • Selecting pricier low deductibles for physical damage coverage costs an additional $124 annually
  • High-risk insureds with serious driving violations could pay upwards of $2,064
  • An auto insurance policy with full coverage for a 16-year-old driver for full coverage may cost $4,006 or more

View Chart as Image

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

Car insurance prices for a Dodge Dakota also have a wide range based on the model of your Dakota, your driving record, and policy deductibles and limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged upwards of $4,000 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,100 to $1,700 extra annually, depending on your age. Dodge Dakota insurance for high-risk drivers can be from 42% to 127% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $190 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Dodge Dakota insurance prices. A driver around age 40 might see prices as low as $700 a year in states like New Hampshire, Ohio, and Utah, or have to pay 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

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 Buy Low Cost Dodge Dakota Insurance

Finding better rates on insurance for a Dodge Dakota requires being safe and accident-free, having a good credit score, being claim-free, and possibly raising deductibles. Set aside time to compare rates every other policy renewal by requesting quotes from direct companies, and also from local independent and exclusive agents.

Below you'll find a review of the ideas that were covered above.

  • Youthful drivers are expensive to insure, possibly costing $334 per month if comprehensive and collision insurance is included
  • Drivers considered higher risk who have several accidents or serious violations pay an average of $1,100 more each year than a low-risk driver
  • Increasing policy deductibles could save up to $200 each year
  • You may be able to save as much as $100 per year just by quoting online well ahead of the renewal date

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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