Dodge Dakota Insurance Rates

Estimated auto insurance rates for a Dodge Dakota are $964 annually including full coverage. Comprehensive costs on average $132, collision costs $152, and liability is estimated at $500. A policy with only liability insurance costs approximately $560 a year, with a high-risk policy costing around $2,064. Teenage drivers pay the most at $4,006 a year or more.

Average premium for full coverage: $964

Premium estimates by type of coverage:

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and for different Dakota trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural areas are statistically proven to have fewer comprehensive and collision claims than densely populated cities.

The price range example below illustrates the difference location can make on car insurance rates.

These rate differences highlight why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, instead of using average rates.

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

Rates by State, City, and Model

The chart below breaks down 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 $66 every year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $964
• Using more expensive low deductibles for comp and collision coverage will cost $1,088
• Unlucky drivers who are prone to accidents and violations could pay upwards of $2,064 or more
• An auto insurance policy with full coverage for a teen driver with full coverage may cost $4,006 each year

View Chart as Image

Car insurance prices for a Dodge Dakota also have a wide range based on the model of your Dakota, your driving characteristics, and policy deductibles and limits.

An older driver with no driving violations and high physical damage deductibles may pay as little as $900 annually on average, or $75 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged upwards of $4,000 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,100 to $1,700 extra annually, depending on your age. High-risk driver insurance ranges as much as 42% to 127% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $190 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Dodge Dakota insurance prices. A good driver about age 40 could pay as low as $740 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,380 on average in Michigan, New York, and Louisiana.

View Chart as Image

With such a large range in prices, the best way to figure out exactly what you will pay is to compare prices and see which company has the best price. Each auto insurer uses a different method to calculate prices, so rate quotes will be substantially different 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 better rates on car insurance takes being safe and accident-free, having a good credit score, refrain from filing small claims, and maximizing policy discounts. Make time to compare rates every time your policy renews by obtaining price quotes from direct car insurance companies, and also from several local insurance agents.

Below you'll find a condensed summary of the information touched on in this article.

• You may be able to save as much as $100 per year simply by shopping early and online
• Youthful drivers are expensive to insure, with the cost nearing $334 per month if comprehensive and collision insurance is included
• Increasing policy deductibles could save up to $200 each year
• Higher risk drivers with multiple at-fault accidents pay on average $1,100 more each year than a low-risk driver
• Policyholders who require more liability protection will pay an extra $550 per year to raise limits from 30/60 bodily injury limits to higher 250/500 limits