Dodge Dakota Insurance Rates

Average insurance rates for a Dodge Dakota are $964 a year including full coverage. Comprehensive insurance costs an estimated $132, collision costs $152, and liability coverage costs $500. A policy with just liability insurance costs as little as $560 a year, with coverage for high-risk drivers costing $2,064 or more. 16-year-old drivers receive the highest rates at $4,006 a year or more.

Average premium for full coverage: $964

Rate estimates broken down by individual coverage type:

Includes $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for different Dakota trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than congested cities.

The price range example below illustrates how location impacts insurance prices.

These examples highlight why anyone shopping for car insurance should compare rates for a targeted area, rather than using rate averages.

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

More Rate Details

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

• The best full coverage rate is $600
• Drivers who choose higher $1,000 deductibles will pay approximately $66 every year
• The estimated price for a 40-year-old driver who has $500 deductibles is $964
• Buying more expensive low deductibles for comprehensive and collision insurance will cost an additional $124 each year
• High-risk insureds with multiple tickets or accidents could pay up to $2,064 or more
• The cost that insures a teenage driver with full coverage can cost as much as $4,006 a year

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Insurance rates for a Dodge Dakota can also vary considerably based on the model year and trim level, your driving record and age, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are likely paying $1,100 to $1,700 additional per year, depending on your age. High-risk driver insurance can cost around 42% to 127% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $900 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay at least $4,000 a year. View Rates by Age

Where you live makes a big difference in Dodge Dakota insurance rates. A 40-year-old driver could pay 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.

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Opting for high physical damage deductibles could save up to $190 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out which company is cheapest is to compare rates and see how they stack up. Every company utilizes a different rate formula, and rates can be significantly different.

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.

How to Find the Cheapest Dodge Dakota Insurance

Saving money on auto insurance not only requires avoiding accidents and claims, but also having a good credit score, not filing small claims, and maximizing policy discounts. Comparison shop once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The points below are a recap of the data that was touched on above.

• You may be able to save approximately $100 per year simply by shopping early and online
• Consumers who want increased liability limits will pay around $550 per year to go from a minimum limit to the 250/500 level
• Drivers under the age of 20 are expensive to insure, as much as $334 per month if comprehensive and collision insurance is included
• Drivers that have major violations or accidents could be charged and average of $1,100 more annually to insure a Dodge Dakota