Dodge Dakota Insurance Rates

The average insurance rates for a Dodge Dakota are $964 a year including full coverage. Comprehensive costs approximately $132, collision insurance costs $152, and liability costs $500. Buying just liability costs as little as $560 a year, and insurance for high-risk drivers costs around $2,064. Teen drivers cost the most to insure at up to $4,006 a year.

Average premium for full coverage: $964

Policy rates by type of insurance:

Includes $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Dakota models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than larger metro areas. The example below illustrates how location helps determine auto insurance prices.

The examples above highlight why everyone should compare rates using their specific location, instead of using price averages.

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

Detailed Rate Analysis

The chart below breaks down 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 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $964
• Choosing pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,088
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,064
• Policy cost that insures a teen driver for full coverage can cost $4,006 a year

View Chart as Image

Insurance rates for a Dodge Dakota also range considerably based on the model of your Dakota, your driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,100 to $1,700 extra every year, 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

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $900 per year on average, or $75 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $4,000 a year. View Rates by Age

Your home state makes a big difference in Dodge Dakota insurance prices. A 40-year-old driver could pay as low as $740 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,380 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $190 every year, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more per 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.

How to Find the Cheapest Dodge Dakota Insurance

Finding cheaper rates on car insurance not only requires being a low-risk driver, but also having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Shop around every time your policy renews by requesting quotes from direct car insurance companies, and also from local auto insurance providers.

The items below are a recap of the information covered in the charts and tables above.

• You may be able to save around $100 per year just by quoting online well ahead of the renewal date
• Teen drivers are expensive to insure, with premiums being up to $334 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save approximately $200 each year
• Higher risk drivers that have major violations or accidents will likely pay on average $1,100 more per year to insure their Dakota
• Policyholders who purchase more liability coverage will pay about $550 per year to go from a 30/60 limit to the 250/500 level