Dodge Dakota Insurance Rates

Estimated insurance prices for a Dodge Dakota are $964 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $132 a year, collision costs $152, and liability coverage costs $500. Liability-only coverage costs as little as $560 a year, with high-risk coverage costing $2,064 or more. Teenage drivers pay the most at $4,006 a year or more.

Average premium for full coverage: $964

Premium estimates broken down by type of coverage:

Includes $500 physical damage insurance deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and Dakota trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than densely populated cities.

The diagram below illustrates how geographic area affects insurance prices.

These rate differences illustrate why it is important to compare rates for a targeted area and their own driving history, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $600
• Drivers who choose higher $1,000 deductibles will pay approximately $898 each year
• The average price for a 40-year-old good driver who has $500 deductibles is $964
• Using low $100 deductibles for comprehensive and collision insurance costs an extra $124 each year
• High-risk insureds who are prone to accidents and violations could pay up to $2,064 or more
• An auto insurance policy to insure a teenage driver can cost as much as $4,006 a year

View Chart as Image

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

Using high physical damage deductibles could save up to $190 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may only pay around $900 per year on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay at least $4,000 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying $1,100 to $1,700 extra annually, depending on your age. A high-risk auto insurance policy can cost around 42% to 127% more than a normal policy. View High Risk Driver Rates

Where you choose to live 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 North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,300 on average in Florida, New York, and Michigan.

View Chart as Image

With such a large range in prices, the only way to figure out which insurance company is cheapest is to get quotes and see how they stack up. Every company uses a different method to calculate prices, so the prices will be substantially different.

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 Shop for the Cheapest Dodge Dakota Insurance

Finding better rates on auto insurance not only requires being a low-risk driver, but also having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to compare rates every couple of years by quoting rates from direct insurance companies, and also from insurance agencies where you live.

The items below are a recap of the material that was presented in the illustrations above.

• Consumers who want more liability coverage will pay an extra $550 annually to go from 30/60 bodily injury limits to a 250/500 level
• Teen drivers are charged the highest prices, with premiums being up to $334 per month if they have full coverage
• Drivers that have major violations or accidents could be forced to pay on average $1,100 more annually to insure their Dakota
• Increasing policy deductibles could save as much as $200 each year