Dodge Dakota Insurance Rates

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

Average premium for full coverage: $964

Policy rates by type of insurance:

Price estimates include $500 deductible amounts, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Dakota models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Rural locations are shown to have fewer accident claims than larger metro areas.

The graphic below illustrates how rural and urban location affects auto insurance prices.

The examples above show why all drivers should compare prices using their specific location and their own personal driving habits, rather than relying on price averages.

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

Rate Comparisons

The chart below shows estimated Dodge Dakota insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $600
• Using higher $1,000 deductibles will save $66 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $964
• Choosing low deductibles for physical damage coverage costs an additional $124 a year
• Drivers with multiple violations and an at-fault accident could pay around $2,064 or more
• Policy cost with full coverage for a teen driver can cost $4,006 or more

View Chart as Image

Insurance rates for a Dodge Dakota also range considerably based on the model year and trim level, your driver profile, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high physical damage deductibles could pay as little as $900 a year, or $75 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $4,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,100 to $1,700 extra every year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 127% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $190 each year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Dodge Dakota insurance rates. A driver around age 40 might see rates as low as $640 a year in states like Iowa, Maine, and Idaho, or as much as $1,380 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to do a rate comparison from as many companies as possible. Each insurance company uses a different rate calculation, so the rates will be varied between companies.

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 Buy Cheaper Dodge Dakota Insurance

Finding cheaper rates on Dodge Dakota insurance requires having a good driving record, having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around at least once a year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a condensed summary of the primary concepts that were raised in the charts and tables above.

• Drivers can save around $100 per year simply by quoting online in advance
• High-risk drivers with multiple at-fault accidents pay on average $1,100 more per year to buy Dodge Dakota insurance
• Increasing comprehensive and collision deductibles could save up to $200 each year
• Drivers age 20 and younger are expensive to insure, costing up to $334 each month including comprehensive and collision insurance