Dodge Dakota Insurance Rates

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:

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

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.

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.

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

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.

View Chart as Image

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.

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