Dodge Dakota Insurance Rates

Estimated insurance rates for a Dodge Dakota are $964 a year with full coverage. Comprehensive costs approximately $132 each year, collision insurance costs $152, and liability coverage costs $500. Liability-only insurance costs as little as $560 a year, and high-risk driver insurance costs around $2,064. Teenage drivers pay the most at up to $4,006 a year.

Average premium for full coverage: $964

Premium estimates by type of coverage:

Prices are based on $500 deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all U.S. states and Dakota models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than densely populated cities. The graphic below illustrates how rural and urban location affects auto insurance prices.

These rate differences demonstrate why all drivers should compare rates using their specific location, rather than using average rates.

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

Additional Rate Details

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

• The best discount rate is $600
• Drivers who choose higher $1,000 deductibles will pay $66 annually
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $964
• Using low deductibles for comprehensive and collision insurance bumps up the cost to $1,088
• High-risk insureds who are prone to accidents and violations could pay around $2,064
• An auto insurance policy that insures a teenage driver can cost $4,006 a year

View Chart as Image

Insurance prices for a Dodge Dakota also have a wide range based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,100 to $1,700 additional annually, depending on your age. Insurance for high-risk drivers can cost around 42% to 127% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $4,000 a year. View Rates by Age

Where you choose to live makes a big difference in Dodge Dakota insurance rates. A 40-year-old driver could pay as low as $700 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,300 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $190 a year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 more each 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 Affordable Dodge Dakota Insurance

Finding better rates on auto insurance not only requires not taking risks behind the wheel, but also having a good credit score, being claim-free, and consideration of higher deductibles. Compare prices at every policy renewal by obtaining price quotes from direct companies, and also from local insurance agencies.

The following is a brief review of the data raised in the charts and tables above.

• Consumers who purchase higher liability limits will pay an extra $550 every year to go from 30/60 bodily injury limits to the 250/500 level
• You may be able to save around $100 per year just by quoting online in advance
• Increasing policy deductibles can save approximately $200 each year
• Teens are the costliest to insure, possibly costing $334 per month if comprehensive and collision insurance is included