Dodge Dakota Insurance Rates

U.S. average insurance rates for a Dodge Dakota are $964 a year with full coverage. Comprehensive insurance costs around $132 a year, collision costs $152, and liability costs around $500. Liability-only insurance costs as low as $560 a year, with high-risk driver insurance costing $2,064 or more. Teenage drivers pay the highest rates at $4,006 a year or more.

Average premium for full coverage: $964

Price estimates for individual coverage:

Prices include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and Dakota trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on insurance rates. Areas with sparse population have a lower frequency of collision claims than densely populated cities.

The diagram below illustrates how location impacts auto insurance rates.

The ranges above demonstrate why it is important to compare prices for a specific zip code and risk profile, instead of using average rates.

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

Additional Rate Information

The chart below details estimated Dodge Dakota insurance rates for additional coverage choices and driver risks.

• The best discount rate is $600
• Using higher $1,000 deductibles will save about $898 annually
• The average rate for the average middle-age driver using $500 deductibles is $964
• Using low $100 deductibles for physical damage coverage will cost an extra $124 every year
• Drivers who are prone to accidents and violations could pay at least $2,064 or more
• The price for full coverage for a teen driver can be $4,006 or more

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Car insurance prices for a Dodge Dakota are also quite variable based on your driving record, the trim level and model year, and deductibles and policy limits.

Older drivers with no driving violations and high deductibles may pay as little as $900 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged as much as $4,000 a year. View Rates by Age

The state you live in has a huge impact on Dodge Dakota insurance prices. A driver around age 40 might see prices 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.

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

If you have some driving violations or tend to cause accidents, you may be forking out at least $1,100 to $1,700 extra each 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

Since prices can be so different, the best way to find out your exact price is to get quotes and see which company has the best price. Each insurance company uses a different method to calculate prices, so rate quotes may be quite 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 the Right Dodge Dakota Insurance

Getting lower rates on car insurance requires having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around at least every other year by getting quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

The following items are a quick rundown of the car insurance concepts touched on above.

• Higher risk drivers with reckless driving or DUI convictions pay an average of $1,100 more every year than a driver with a clean driving record
• You may be able to save up to $100 per year simply by quoting early and online
• Increasing physical damage deductibles can save around $200 each year
• Policyholders who may need additional liability coverage will pay an extra $550 every year to increase from a low limit to 250/500 limits