Dodge Dakota Insurance Rates

Estimated insurance rates for a Dodge Dakota are $964 a year including full coverage. Comprehensive insurance costs an estimated $132 each year, collision costs $152, and liability costs around $500. A liability-only policy costs as low as $560 a year, with high-risk insurance costing $2,064 or more. Teens pay the most at $4,006 a year or more.

Average premium for full coverage: $964

Premium estimates broken down by type of coverage:

Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and Dakota models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates the difference location can make on insurance prices.

These rate differences highlight why all drivers should compare prices for a targeted area, instead of making a decision based on averaged prices.

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

More Rate Information

The chart below breaks down estimated Dodge Dakota insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $600
• Using higher $1,000 deductibles will save approximately $66 every year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $964
• Selecting low deductibles for physical damage coverage will cost an additional $124 annually
• High-risk insureds with serious driving violations could pay up to $2,064 or more
• An auto insurance policy that insures a 16-year-old driver can cost as much as $4,006 or more

View Chart as Image

Auto insurance prices for a Dodge Dakota also have a wide range based on the trim level and model year, your driving record and age, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are likely paying $1,100 to $1,700 in extra premium annually, depending on your age. Insurance for high-risk drivers can be from 42% to 127% more than the average policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $900 a year, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay at least $4,000 a year. View Rates by Age

Where you choose to live has a huge impact on Dodge Dakota insurance prices. A driver around age 40 might see prices as low as $740 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,380 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $190 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out which insurance company is cheapest is to do a rate comparison from multiple companies. Each insurance company calculates prices differently, and quoted prices will be substantially 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.

How to Find the Best Dodge Dakota Insurance

Finding better rates on insurance for a Dodge Dakota requires being a good driver, maintaining a good credit score, refrain from filing small claims, and qualifying for all possible discounts. Compare rates at least once a year by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The following list is a brief recap of the primary concepts that were touched on in this article.

• You may be able to save approximately $100 per year simply by quoting online in advance
• Drivers considered higher risk who tend to receive serious violations could be charged and average of $1,100 more annually than a safer driver
• Increasing policy deductibles can save approximately $200 each year
• Drivers age 16 to 20 are the costliest to insure, with the cost nearing $334 per month if the policy includes full coverage