Dodge Dakota Insurance Rates

The average insurance prices for a Dodge Dakota are $964 every 12 months for full coverage. Comprehensive insurance costs on average $132, collision insurance costs $152, and liability coverage costs $500. Buying just liability costs as little as $560 a year, and insurance for high-risk drivers costs $2,064 or more. Teenage drivers cost the most to insure at up to $4,006 a year.

Average premium for full coverage: $964

Policy rates by type of insurance:

Prices include $500 deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for different Dakota trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have more infrequent accident claims than densely populated cities. The price range example below illustrates how location helps determine car insurance rates.

The examples above show why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, rather than using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $600
• Drivers who choose higher $1,000 deductibles will pay around $66 a year
• The average price for a good driver age 40 with $500 deductibles is $964
• Using more expensive low deductibles for comprehensive and collision insurance costs an extra $124 each year
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,064
• Policy cost to insure a teenage driver with full coverage may cost $4,006 a year

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Insurance rates for a Dodge Dakota also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your Dakota.

Using high physical damage deductibles could save up to $190 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay 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 could be paying at a minimum $1,100 to $1,700 extra every year, depending on your age. High-risk driver insurance can cost around 42% to 127% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Dodge Dakota insurance rates. A 40-year-old driver could pay as low as $640 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,380 on average in Michigan, Louisiana, and New York.

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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 Shop for the Right Dodge Dakota Insurance

Finding cheaper rates on auto insurance not only requires not taking risks behind the wheel, but also having good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Invest time comparing rates every couple of years by quoting rates from direct carriers, and also from local independent and exclusive agents.

The following is a quick rundown of the material that was covered in the charts and tables above.

• Consumers who require higher liability limits will pay an extra $550 each year to go from a 30/60 limit to a 250/500 level
• Teens pay the highest rates, costing up to $334 each month if they have full coverage
• Drivers with reckless driving or DUI convictions pay an average of $1,100 more each year for Dakota insurance
• Increasing comprehensive and collision deductibles could save as much as $200 each year