Dodge Dakota Insurance Rates

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

Average premium for full coverage: $964

Policy rates by type of insurance:

Prices are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all Dakota models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how location impacts car insurance rates.

The examples above highlight why everyone should compare rates quotes based on a specific location, rather than relying on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $600
• Raising to $1,000 deductibles will save around $66 every year
• The estimated price for a good driver age 40 with $500 deductibles is $964
• Selecting pricier low deductibles bumps up the cost to $1,088
• Higher-risk drivers with serious driving violations could pay upwards of $2,064 or more
• Policy cost that insures a teen driver for full coverage may cost $4,006

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying 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 anywhere from 42% to 127% more than the average policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles could 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 will be charged upwards of $4,000 a year. View Rates by Age

Your home state also has a big influence on Dodge Dakota insurance rates. A middle-age driver might find rates as low as $740 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,380 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $190 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to regularly compare rates from as many companies as possible. Every auto insurance company calculates rates differently, 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.

How to Find Affordable Dodge Dakota Insurance

Finding cheaper rates on Dodge Dakota insurance consists of being a low-risk driver, having a positive credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Compare rates at least once a year by requesting quotes from direct car insurance companies, and also from insurance agencies where you live.

The items below are a brief review of the primary concepts that were touched on above.

• You may be able to save as much as $100 per year simply by quoting online well ahead of the renewal date
• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,100 more each year to insure their Dakota
• Increasing comprehensive and collision deductibles can save approximately $200 each year
• Teen drivers are expensive to insure, with premiums being up to $334 each month if full coverage is purchased