Dodge Dakota Insurance Rates

The average insurance rates for a Dodge Dakota are $964 a year including full coverage. Comprehensive costs on average $132, collision costs $152, and liability insurance costs $500. A liability-only policy costs as little as $560 a year, with high-risk insurance costing around $2,064. Teens cost the most to insure at $4,006 a year or more.

Average premium for full coverage: $964

Policy rates by type of insurance:

Estimates include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different Dakota trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how geographic area affects car insurance rates.

The examples above highlight why anyone shopping for car insurance should compare rates based on a specific location, rather than relying 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 different risk profiles and scenarios.

• The cheapest rate after discounts is $600
• Drivers who choose higher $1,000 deductibles will pay around $66 every year
• The estimated price for a good driver age 40 with $500 deductibles is $964
• Selecting more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,088
• High risk drivers with serious driving violations could pay upwards of $2,064 or more
• Policy cost that insures a teen driver with full coverage may cost $4,006 a year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,100 to $1,700 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 127% more than the average policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision 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 teens with perfect driving records will be charged upwards of $4,000 a year. View Rates by Age

Your home state makes a big difference in Dodge Dakota insurance rates. A 40-year-old driver could pay as low as $740 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,380 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $190 each year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates from as many companies as possible. Every company calculates rates differently, so rate quotes 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.

How to Find Low Cost Dodge Dakota Insurance

Finding cheaper rates on Dodge Dakota insurance not only requires being a good driver, but also having a positive credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Compare rates every couple of years by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

The following list is a review of the material that was presented in the illustrations above.

• Drivers who require an increased level of liability coverage will pay approximately $550 per year to go from a 30/60 limit to the 250/500 level
• Drivers age 16 to 20 are expensive to insure, with premiums being up to $334 each month if full coverage is purchased
• High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,100 more each year than a safer driver
• Increasing comprehensive and collision deductibles can save approximately $200 each year