Dodge Dakota Insurance Rates

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UPDATED: Jun 2, 2023

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U.S. average insurance prices for a Dodge Dakota are $964 every 12 months including full coverage. Comprehensive insurance costs approximately $132 a year, collision insurance costs $152, and liability insurance is estimated at $500. Liability-only coverage costs approximately $560 a year, and high-risk coverage costs $2,064 or more. Teenage drivers pay the highest rates at up to $4,006 a year.

Average premium for full coverage: $964

Price estimates by individual coverage:

Comprehensive $132
Collision $152
Liability $500

Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and Dakota trim levels.

Price Range from Low to High

For the average 40-year-old driver, Dodge Dakota insurance prices range from the cheapest price of $560 for minimum levels of liability insurance to a high of $2,064 for a high-risk insurance policy.

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

Geographic Price Range

Living in a larger city has a significant impact on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than densely populated cities. The diagram below illustrates the difference location can make on auto insurance prices.

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

The ranges above highlight why it is important to get quotes using their specific location and their own driving history, 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 breaks down average Dodge Dakota insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $600
  • Choosing higher $1,000 deductibles can save $898 every year
  • The average price for the average middle-age driver who chooses $500 deductibles is $964
  • Using low $100 deductibles for comp and collision coverage costs an extra $124 a year
  • High-risk insureds who are prone to accidents and violations could pay around $2,064
  • The price to insure a teen driver can cost $4,006 each 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

Auto insurance prices for a Dodge Dakota are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your Dakota.

Using high physical damage deductibles can save as much as $190 each year, while buying higher liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $900 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay in the ballpark of $4,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $1,100 to $1,700 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 127% more than a normal policy. View High Risk Driver Rates

The state you live in 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 be forced to pay as much as $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

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 $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 Shop for the Best Cheap Dodge Dakota Insurance

Getting lower rates on Dodge Dakota insurance takes being a good driver, having a good credit score, being claim-free, and possibly higher deductibles. Make time to compare rates at least every other year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The following list is a quick review of the car insurance concepts touched on in this article.

  • High-risk drivers with a DUI or reckless driving violation could be charged and average of $1,100 more per year than a safer driver
  • You may be able to save around $100 per year just by quoting early and online
  • Increasing physical damage deductibles could save as much as $200 each year
  • Drivers who purchase an increased level of liability coverage will pay an extra $550 per year to raise limits from a low limit to a 250/500 level

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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