Dodge Dakota Insurance Rates

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

Average premium for full coverage: $964

Rate estimates by individual coverage type:

Price estimates include $500 deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and Dakota trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on auto insurance rates. Rural areas tend to have more infrequent collision claims than densely populated cities.

The diagram below illustrates how your location can change car insurance rates.

These examples demonstrate why it is important to get quotes based on a specific location and their own driving history, instead of using average rates.

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

Additional Rate Analysis

The chart below details estimated Dodge Dakota insurance rates for different risk profiles and scenarios.

• The best discount rate is $600
• Choosing higher $1,000 deductibles can save around $898 annually
• The average price for a 40-year-old driver with $500 deductibles is $964
• Using low $100 deductibles for comp and collision coverage costs an extra $124 every year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,064 or more
• The cost to insure a teen driver may cost $4,006 each year

View Chart as Image

Car insurance rates for a Dodge Dakota can also vary considerably based on policy deductibles and limits, your driving record, and the trim level of your Dakota.

Using high physical damage deductibles can save as much as $190 every year, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as little as $900 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged upwards of $4,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at a minimum $1,100 to $1,700 extra per year, depending on your age. A high-risk auto insurance policy ranges as much as 42% to 127% more than a normal policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Dodge Dakota insurance prices. A good driver about age 40 could pay as low as $700 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,300 on average in Florida, Michigan, and New York.

View Chart as Image

With so much variability in rates, the best way to find out exactly what you will pay is to get quotes and see which company has the best rate. Each auto insurer uses a different method to calculate rates, so rate quotes can be significantly 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 Cheaper Dodge Dakota Insurance

Saving money on car insurance takes not taking risks behind the wheel, maintaining a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to shop around every time your policy renews by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following is a condensed summary of the information illustrated above.

• You may be able to save as much as $100 per year simply by quoting early and online
• Teens are expensive to insure, with premiums as much as $334 per month if the policy includes full coverage
• Increasing deductibles could save as much as $200 each year
• Higher risk drivers with multiple at-fault accidents may pay on average $1,100 more each year for Dakota insurance
• Policyholders who require higher liability limits will pay an extra $550 every year to raise limits from a minimum limit to a 250/500 level