Dodge Dakota Insurance Rates

U.S. average insurance rates for a Dodge Dakota are $964 a year for full coverage insurance. Comprehensive insurance costs approximately $132 a year, collision insurance costs $152, and liability costs around $500. A policy with just liability insurance costs as low as $560 a year, and coverage for high-risk drivers costs $2,064 or more. Teens pay the highest rates at up to $4,006 a year.

Average premium for full coverage: $964

Price estimates by individual coverage:

Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and Dakota trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on the price of auto insurance. Rural locations have lower incidents of physical damage claims than cities with more traffic congestion. The diagram below illustrates how where you live affects auto insurance prices.

The ranges above illustrate why it is important to compare prices using their specific location, instead of using averaged prices.

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

Detailed Rate Analysis

The chart below illustrates average Dodge Dakota insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $600
• Using higher $1,000 deductibles will save $898 each year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $964
• Selecting low $100 deductibles for physical damage coverage will cost an additional $124 every year
• Drivers with serious driving violations could pay around $2,064
• The price that insures a teen driver can cost $4,006 or more

View Chart as Image

Insurance prices for a Dodge Dakota are also quite variable based on the trim level of your Dakota, your age and driving record, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,100 to $1,700 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 127% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $900 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $4,000 a year. View Rates by Age

The state you live in has a huge impact on Dodge Dakota insurance prices. A driver around age 40 might see prices as low as $630 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,300 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $190 every year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

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 the Best Cheap Dodge Dakota Insurance

Getting lower rates on car insurance requires being a good driver, having above-average credit, not filing small claims, and possibly raising deductibles. Compare rates at least once a year by requesting rates from direct insurance companies, and also from your local car insurance providers.

The following list is a quick review of the primary concepts that were touched on in the above illustrations.

• It is possible to save around $100 per year just by quoting early and online
• Higher risk drivers with a DUI or reckless driving violation could be charged and average of $1,100 more per year than a safer driver
• Increasing physical damage deductibles can save approximately $200 each year
• Drivers age 16 to 20 are expensive to insure, as much as $334 a month if full coverage is included