Dodge Dakota Insurance Rates

The average insurance rates for a Dodge Dakota are $964 a year including full coverage. Comprehensive costs approximately $132 a year, collision costs $152, and liability insurance is estimated at $500. Buying just liability costs approximately $560 a year, with insurance for high-risk drivers 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:

Rate estimates include $500 deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Dakota trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how your location can change auto insurance prices.

The examples above highlight why it is important to get quotes using their specific location, rather than relying on averaged prices.

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

Rate Comparisons

The chart below breaks down estimated Dodge Dakota insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $600
• Choosing higher $1,000 deductibles can save $898 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $964
• Selecting low $100 deductibles for comp and collision coverage bumps up the cost to $1,088
• High-risk insureds with serious driving violations could pay around $2,064 or more
• Policy cost that insures a teen driver can cost $4,006 each year

View Chart as Image

Insurance rates for a Dodge Dakota also range considerably based on the trim level of your Dakota, your driving record and age, and physical damage deductibles and liability limits.

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

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $900 annually on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $4,000 a year. View Rates by Age

Your home state plays a big part in determining prices for Dodge Dakota insurance rates. A good driver about age 40 could pay 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 can save as much as $190 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes from as many companies as possible. Each auto insurer calculates rates differently, so the 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.

How to Find the Best Dodge Dakota Insurance

Finding cheaper rates on Dodge Dakota insurance takes not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Compare rates every time your policy renews by requesting rates from direct car insurance companies, and also from local auto insurance providers.

The following is a brief recap of the information illustrated above.

• You may be able to save around $100 per year simply by quoting early and online
• Teens are expensive to insure, with premiums being up to $334 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save approximately $200 each year
• High-risk drivers who tend to receive serious violations will likely pay on average $1,100 more per year for Dakota insurance
• Drivers who purchase higher liability limits will pay approximately $550 per year to raise limits from a 30/60 limit to the 250/500 level