Dodge Dakota Insurance Rates

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UPDATED: Jun 5, 2023

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U.S. average insurance rates for a Dodge Dakota are $964 a year including full coverage. Comprehensive costs an estimated $132, collision insurance costs $152, and liability coverage is $500. Buying just liability costs around $560 a year, and insurance for high-risk drivers costs around $2,064. 16-year-old drivers pay the highest rates at up to $4,006 a year.

Average premium for full coverage: $964

Price estimates broken down by individual coverage:

Comprehensive $132
Collision $152
Liability $500

Rates are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for all Dakota models.

Price Range from Low to High

Using a 40-year-old driver as an example, Dodge Dakota insurance prices range from the low end price of $560 for the bare minimum liability coverage to the much higher price of $2,064 for high-risk insurance.

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

Geographic Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than congested cities. The example below illustrates how rural and urban location affects insurance prices.

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

The ranges above highlight why everyone should compare rates quotes for a targeted area, rather than using rate averages.

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

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Additional Rate Information

The chart below breaks down average Dodge Dakota insurance rates for other coverage scenarios.

  • The best full coverage rate is $600
  • Raising to $1,000 deductibles will save approximately $66 every year
  • The estimated price for the average middle-age driver who has $500 deductibles is $964
  • Buying pricier low deductibles bumps up the cost to $1,088
  • Unlucky drivers with multiple tickets or accidents could pay up to $2,064
  • The price that insures a teenage driver for full coverage can cost as much as $4,006

View Chart as Image

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

Insurance prices for a Dodge Dakota are also quite variable based on the model of your Dakota, your driving record and age, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are likely paying $1,100 to $1,700 additional each year, depending on your age. Dodge Dakota insurance for high-risk drivers is expensive and can cost around 42% to 127% more than the average rate. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $900 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $4,000 a year. View Rates by Age

The state you live in also has a big influence on Dodge Dakota insurance rates. A middle-age driver might find prices as low as $740 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,380 on average in Louisiana, New York, and Michigan.

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

Opting for high physical damage deductibles can reduce prices by up to $190 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $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.

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 Find the Best Cheap Dodge Dakota Insurance

Getting lower rates on auto insurance consists of avoiding accidents and violations, having a good credit score, being claim-free, and possibly raising deductibles. Comparison shop every couple of years by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The list below is a quick review of the material that was raised in the charts and tables above.

  • Consumers who want higher liability limits will pay around $550 per year to raise from a low limit to the 250/500 level
  • Teenagers are expensive to insure, possibly costing $334 a month if comprehensive and collision insurance is included
  • Drivers with a DUI or reckless driving violation could be charged and average of $1,100 more annually for car insurance
  • Increasing physical damage deductibles can save approximately $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.

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