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

UPDATED: Aug 23, 2022

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.

Estimated insurance rates for a Dodge Dakota are $964 a year with full coverage. Comprehensive insurance costs approximately $132, collision insurance costs $152, and liability costs $500. Liability-only insurance costs as little as $560 a year, and high-risk driver insurance costs $2,064 or more. Teen drivers pay the most at up to $4,006 a year.

Average premium for full coverage: $964

Premium estimates by type of coverage:

Comprehensive $132
Collision $152
Liability $500

These estimates include $500 deductible amounts, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for all Dakota models.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Dodge Dakota range from as low as $560 for liability-only coverage to the much higher price of $2,064 for high-risk insurance.

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

Insurance Price Range by Location

Your location can have significant affects on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than larger metro areas. The example below illustrates how geographic area affects auto insurance prices.

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

These rate differences demonstrate why everyone should compare rates using their specific location and risk profile, instead of using price averages.

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.

Additional Charts and Tables

The chart below details average Dodge Dakota insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $600
  • Drivers who choose higher $1,000 deductibles will pay $66 annually
  • The average rate for a 40-year-old good driver who chooses $500 deductibles is $964
  • Choosing pricier low deductibles for comprehensive and collision insurance will cost an extra $124 every year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,064
  • An auto insurance policy for full coverage for a teen driver for full coverage can cost $4,006 a year

View Chart as Image

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

Insurance prices for a Dodge Dakota also have a wide range based on your driving characteristics, the trim level and model year, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay in the ballpark of $4,000 a year. View Rates by Age

Where you choose to live makes a big difference in Dodge Dakota insurance prices. A 40-year-old driver could pay as low as $700 a year in states like Utah, Ohio, and New Hampshire, or 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

Choosing high deductibles could save up to $190 every year, whereas buying more liability protection will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out anywhere from $1,100 to $1,700 additional annually, depending on your age. Dodge Dakota insurance for high-risk drivers can cost as much as 42% to 127% more than average. View High Risk Driver Rates

Insurance Rates by Trim Level and Model Year

Rates assume 1991 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 $182 $244 $540 $1,146
2008 Dodge Dakota $160 $202 $534 $1,076
2007 Dodge Dakota $154 $182 $530 $1,046
2006 Dodge Dakota $152 $178 $520 $1,030
2005 Dodge Dakota $150 $168 $510 $1,008
2004 Dodge Dakota $138 $160 $504 $982
2003 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 Cheap Dodge Dakota Insurance

Finding better rates on car insurance not only requires having a good driving record, but also having a good credit history, being claim-free, and consideration of higher deductibles. Invest the time to compare rates every couple of years by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a brief summary of the material that was presented in the illustrations above.

  • Policyholders who purchase increased levels of liability coverage will pay about $550 every year to go from 30/60 bodily injury limits to 250/500 limits
  • Drivers age 20 and younger are the costliest to insure, possibly costing $334 per month including comprehensive and collision insurance
  • Higher risk drivers that tend to have accidents or serious violations pay on average $1,100 more per year to buy Dodge Dakota insurance
  • Increasing policy deductibles can save around $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

You May Also Enjoy These Articles