Dodge Dakota Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: Jun 5, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

The average insurance prices for a Dodge Dakota are $964 every 12 months with full coverage. Comprehensive costs an estimated $132 a year, collision costs $152, and liability insurance costs $500. Liability-only insurance costs as little as $560 a year, with high-risk driver insurance costing around $2,064. Teenage drivers cost the most to insure at $4,006 a year or more.

Average premium for full coverage: $964

Policy rates broken down by type of insurance:

Comprehensive $132
Collision $152
Liability $500

Includes $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and Dakota trim levels.

Price Range Variability

Using a middle-aged driver as an example, Dodge Dakota insurance rates go from the cheapest price of $560 for just liability insurance to a high of $2,064 for high-risk insurance.

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

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. More rural locations are shown to have more infrequent collision claims than densely populated cities.

The diagram below illustrates how where you live affects insurance prices.

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

The examples above demonstrate why it is important to compare rates for a targeted area and their own driving history, rather than relying on average rates.

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.

More Rate Details

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

  • The best discount rate is $600
  • Drivers who choose higher $1,000 deductibles will pay approximately $898 annually
  • The average price for a good driver age 40 who has $500 deductibles is $964
  • Using low $100 deductibles for comprehensive and collision insurance increases the price to $1,088
  • High risk drivers who are prone to accidents and violations could pay up to $2,064 or more
  • Policy cost to insure a teen driver can cost as much as $4,006 a year

View Chart as Image

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

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

Using high physical damage deductibles could save up to $190 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay at least $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 may be forking out $1,100 to $1,700 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 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 $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.

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

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes from as many companies as possible. Every company uses a different method to calculate rates, and quoted rates will be varied.

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 $154 $182 $530 $1,046
2008 Dodge Dakota $150 $168 $510 $1,008
2007 Dodge Dakota $138 $160 $504 $982
2006 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 Shop for the Cheapest Dodge Dakota Insurance

Finding cheaper rates on Dodge Dakota insurance not only requires avoiding accidents and claims, but also having a good credit score, not filing small claims, and qualifying for all possible discounts. Take the time to comparison shop every couple of years by getting quotes from direct companies, and also from your local independent and exclusive agents.

The points below are a recap of the material that was touched on in the above illustrations.

  • Drivers who want increased liability limits will pay an extra $550 every year to go from a 30/60 limit to a 250/500 level
  • Drivers under the age of 20 are the costliest to insure, as much as $334 each month if comprehensive and collision insurance is included
  • High-risk drivers that have major violations or accidents may pay on average $1,100 more annually to insure a Dodge Dakota
  • Increasing comprehensive and collision deductibles could save as much as $200 each year

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.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

Nationwide State Farm Allstate

You May Also Enjoy These Articles