Dodge Dakota Insurance Rates

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UPDATED: Jun 5, 2023

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

Average premium for full coverage: $964

Price estimates by individual coverage:

Comprehensive $132
Collision $152
Liability $500

Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for all Dakota models.

Price Range from Low to High

For a driver around age 40, Dodge Dakota insurance prices go from the low end price of $560 for minimum levels of liability insurance to the much higher price of $2,064 for a driver that may need high-risk insurance.

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

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. Rural locations have lower incidents of accident claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

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

The ranges above show why everyone should get quotes using their specific location, rather than relying 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 Rate Details

The chart below shows estimated Dodge Dakota insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $600
  • Choosing higher $1,000 deductibles can save $66 a year
  • The estimated price for the average middle-age driver who chooses $500 deductibles is $964
  • Selecting pricier low deductibles for comp and collision coverage will cost an additional $124 a year
  • High-risk insureds with serious driving violations could pay around $2,064 or more
  • The price that insures a teen driver for full coverage can cost $4,006 each year

View Chart as Image

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

Insurance prices for a Dodge Dakota are also quite variable based on the model of your Dakota, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,100 to $1,700 extra each year, depending on your age. Dodge Dakota insurance for high-risk drivers ranges anywhere from 42% to 127% more than the average policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $900 annually on average 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 plays a big part in determining prices for Dodge Dakota insurance rates. A good driver about age 40 could pay as low as $640 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,380 on average in New York, Louisiana, and Michigan.

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $190 each year, whereas buying more liability protection will push prices upward. Going 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

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to regularly compare prices from as many companies as possible. Each auto insurer calculates prices differently, so the prices may be quite different.

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 $160 $202 $534 $1,076
2008 Dodge Dakota $152 $178 $520 $1,030
2007 Dodge Dakota $150 $168 $510 $1,008
2006 Dodge Dakota $138 $160 $504 $982
2005 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 Find More Affordable Dodge Dakota Insurance

Getting lower rates on Dodge Dakota insurance takes having a decent driving record, having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Compare rates once a year by requesting quotes from direct carriers, and also from insurance agencies where you live.

The following items are a summary of the data that was covered above.

  • Drivers can save around $100 per year simply by quoting online well ahead of the renewal date
  • Drivers who purchase additional liability coverage will pay approximately $550 each year to raise limits from a low limit to the 250/500 level
  • 16 to 18-year-old drivers are expensive to insure, with premiums as much as $334 a month if full coverage is included
  • High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,100 more per year than a driver with a clean driving record

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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