Dodge Dakota Insurance Rates

Average insurance rates for a Dodge Dakota are $964 a year with full coverage. Comprehensive costs approximately $132 a year, collision costs $152, and liability costs around $500. A policy with just liability insurance costs as low as $560 a year, with coverage for high-risk drivers costing around $2,064. 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:

These estimates include $500 deductible amounts, liability coverage up to 30/60, and includes medical/PIP and 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

Where you live can have significant affects on the price of insurance. Rural locations tend to have a lower frequency of collision claims than densely populated cities.

The diagram below illustrates how location impacts auto insurance prices.

These examples demonstrate why it is important to compare prices using their specific location and risk profile, instead of using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $600
• Using higher $1,000 deductibles will save $898 annually
• The average rate for a 40-year-old driver who chooses $500 deductibles is $964
• Using low $100 deductibles for physical damage coverage will increase the cost to $1,088
• Drivers who are prone to accidents and violations could pay around $2,064 or more
• The cost for full coverage for a teen driver can cost $4,006 or more

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles may pay as little as $900 a year for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay in the ballpark of $4,000 a year. View Rates by Age

Where you live has a huge impact on Dodge Dakota insurance prices. A driver around age 40 might see rates as low as $700 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,300 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $190 every year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,100 to $1,700 additional per year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 127% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to get quotes and see which company has the best rate. Each insurance company uses a different method to calculate rates, and rates can be significantly different from one company to the next.

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 Cheap Dodge Dakota Insurance

Saving money on car insurance requires having a good driving record, having a good credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around every time your policy renews by getting quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

The next list is a brief summary of the information touched on above.

• You may be able to save around $100 per year simply by quoting early and online
• Drivers age 20 and younger are the costliest to insure, with premiums as much as $334 per month including comprehensive and collision insurance
• Increasing deductibles can save around $200 each year
• Higher risk drivers that tend to have accidents or serious violations pay on average $1,100 more per year to buy Dodge Dakota insurance
• Policyholders who purchase increased levels of liability coverage will pay an extra $550 every year to increase from a minimum limit to 250/500 limits