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 for full coverage insurance. Comprehensive insurance costs around $132 each year, collision costs $152, and liability insurance costs $500. Buying just liability costs as little as $560 a year, with insurance for high-risk drivers costing $2,064 or more. Teenage drivers pay the highest rates at $4,006 a year or more.
Average premium for full coverage: $964
Price estimates for individual coverage:
Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and Dakota models.
Price Range from Low to High
Using a 40-year-old driver as an example, Dodge Dakota insurance prices go from the low end price of $560 for minimum levels of liability insurance to a high rate of $2,064 for a driver required to buy high-risk insurance.
Geographic Price Range
Your location has a significant impact on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than densely populated cities.
The graphic below illustrates how rural and urban location affects auto insurance rates.
The ranges above illustrate why all drivers should compare rates for a specific zip code, rather than relying on average rates.
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 Rate Details
The chart below illustrates estimated Dodge Dakota insurance rates for additional coverage choices and driver risks.
- The best discount rate is $600
- Drivers who choose higher $1,000 deductibles will pay about $66 each year
- The estimated price for the average middle-age driver using $500 deductibles is $964
- Using low deductibles for comprehensive and collision insurance will cost an additional $124 a year
- High risk drivers who are prone to accidents and violations could pay at least $2,064 or more
- The price that insures a teen driver can be $4,006 a year
Insurance prices for a Dodge Dakota are also quite variable based on the trim level and model year, your age and driving record, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you are probably paying at least $1,100 to $1,700 additional each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 127% more than a normal policy. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $900 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $4,000 a year. View Rates by Age
The state you live in 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.
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% |
Using high physical damage deductibles could save up to $190 each year, whereas increasing liability limits will increase prices. Switching 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
Since prices can be so different, the only way to figure out your exact price is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate prices, and prices may be quite different.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Dodge Dakota Bighorn Ext Cab 2WD | $1,008 | $84 |
Dodge Dakota ST Ext Cab 2WD | $1,008 | $84 |
Dodge Dakota Lonestar Ext Cab 2WD | $1,022 | $85 |
Dodge Dakota ST Crew Cab 2WD | $1,022 | $85 |
Dodge Dakota Bighorn Crew Cab 2WD | $1,036 | $86 |
Dodge Dakota Lonestar Crew Cab 2WD | $1,036 | $86 |
Dodge Dakota Bighorn Ext Cab 4WD | $876 | $73 |
Dodge Dakota Laramie Crew Cab 2WD | $1,066 | $89 |
Dodge Dakota ST Ext Cab 4WD | $876 | $73 |
Dodge Dakota Bighorn Crew Cab 4WD | $890 | $74 |
Dodge Dakota Lonestar Ext Cab 4WD | $890 | $74 |
Dodge Dakota ST Crew Cab 4WD | $890 | $74 |
Dodge Dakota Lonestar Crew Cab 4WD | $906 | $76 |
Dodge Dakota TRX Crew Cab 4WD | $906 | $76 |
Dodge Dakota TRX Crew Cab 4WD | $906 | $76 |
Dodge Dakota Laramie Crew Cab 4WD | $920 | $77 |
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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2010 Dodge Dakota | $160 | $202 | $534 | $1,076 |
2008 Dodge Dakota | $152 | $178 | $520 | $1,030 |
2007 Dodge Dakota | $150 | $168 | $510 | $1,008 |
2006 Dodge Dakota | $138 | $160 | $504 | $982 |
2005 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 Cheaper Dodge Dakota Insurance
Getting lower rates on Dodge Dakota insurance not only requires avoiding accidents and violations, but also having a good credit score, not filing small claims, and taking advantage of discounts. Compare prices at every policy renewal by requesting rates from direct insurance companies, and also from insurance agencies where you live.
The list below is a condensed summary of the data raised in the charts and tables above.
- Drivers who may need higher liability limits will pay an extra $550 annually to go from a low limit to the 250/500 level
- It is possible to save up to $100 per year simply by quoting online in advance
- Increasing physical damage deductibles can save approximately $200 each year
- Teenagers are charged the highest prices, as much as $334 a month if comprehensive and collision insurance is included
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,088 |
$250 | $1,032 |
$500 | $964 |
$1,000 | $898 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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