Dodge Dakota Insurance Rates

Estimated insurance prices for a Dodge Dakota are $964 every 12 months for full coverage insurance. Comprehensive insurance costs on average $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 $2,064 or more. Teenage drivers pay the most at $4,006 a year or more.

Average premium for full coverage: $964

Premium estimates by type of coverage:

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and Dakota trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than densely populated cities.

The diagram below illustrates how your location can change car insurance rates.

These rate differences illustrate why it is important to compare rates based on a specific location and their own driving history, rather than relying on average rates.

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

More Rate Details

The chart below illustrates estimated Dodge Dakota insurance rates for different risk profiles and scenarios.

• The best discount rate is $600
• Drivers who choose higher $1,000 deductibles will pay around $898 each year
• The average price for a 40-year-old good driver with $500 deductibles is $964
• Using low $100 deductibles for comprehensive and collision insurance costs an extra $124 a year
• High risk drivers who are prone to accidents and violations could pay upwards of $2,064 or more
• An auto insurance policy to insure a teen driver may cost $4,006 a year

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Insurance prices for a Dodge Dakota also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your Dakota.

Using high physical damage deductibles could save up to $190 each year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles could pay as little as $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $4,000 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,100 to $1,700 additional annually, 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

Where you choose to live makes a big difference in Dodge Dakota insurance rates. A 40-year-old driver could pay as low as $630 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,300 on average in Michigan, New York, and Florida.

View Chart as Image

With such a large range in prices, the only way to figure out exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different method to calculate prices, and 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 Shop for the Best Cheap Dodge Dakota Insurance

Finding better rates on Dodge Dakota insurance not only requires being a good driver, but also having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Invest the time to shop around every time your policy renews by getting rate quotes from direct insurance companies, and also from several local insurance agents.

The following list is a quick review of the information illustrated above.

• It is possible to save as much as $100 per year simply by quoting early and online
• Drivers age 16 to 20 pay higher prices, with premiums being up to $334 per month if full coverage is included
• Increasing policy deductibles could save as much as $200 each year
• High-risk drivers with a DUI or reckless driving violation pay on average $1,100 more each year than a safer driver
• Drivers who require an increased level of liability coverage will pay an extra $550 annually to go from 30/60 bodily injury limits to a 250/500 level