Dodge Dakota Insurance Cost Estimate [How to Find Low Rates Online]

Average Dodge Dakota auto insurance rates cost $1,220 a year, or around $102 a month. Teens pay the highest rates at up to $4,459 a year, while good drivers may only pay $717.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 20, 2020

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Here's what you need to know...

  • Full coverage costs around $1,220 a year or $102 each month
  • A liability-only policy costs around $489 a year or $41 each month
  • Highest rates are for teenage drivers at around $4,459 a year or $372 each month
  • Good drivers can save as much as $503 a year by earning policy discounts
  • Dodge Dakota insurance costs around $299 less per year than the average vehicle

Dodge Dakota insurance rates are quite a bit less than the average vehicle in part due to the fact that they’ve been out of production for nearly a decade. Liability-only coverage is about $489 a year or $41 a month, with teens paying the most at around $4,459 a year or $372 a month.

Good drivers can save up to $503 a year in policy discounts by practicing safe driving habits. Let’s take a closer look at Dodge Dakota insurance rates, safety features, and more.

You can start comparing quotes for Dodge Dakota car insurance rates from some of the best car insurance companies by using our free online tool now.

Dodge Dakota Insurance Cost

The average Dodge Dakota car insurance rates are $1,220 a year or $102 a month.

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Are Dodge Dakotas Expensive to Insure?

The chart below details how Dodge Dakota insurance rates compare to other trucks like the Ford F-150, GMC Canyon, and Nissan Frontier.

Vehicle Comprehensive Collision Liability Total
Ford F-150 $322 $470 $372 $1,322
GMC Canyon $270 $478 $398 $1,304
Nissan Frontier $294 $500 $420 $1,394
Toyota Tundra $320 $512 $440 $1,452
Dodge Ram $362 $562 $420 $1,524
Chevrolet Colorado $254 $438 $372 $1,222
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However, there are a few things you can do to find the cheapest Dodge insurance rates online.

What Impacts the Cost of Dodge Dakota Insurance?

The Dodge Dakota trim and model you choose will affect the total price you will pay for Dodge Dakota insurance coverage.

Age of the Vehicle

The average Dodge Dakota auto insurance rates are higher for newer models.

Model Year Comprehensive Collision Liability Total
2010 Dodge Dakota $206 $310 $524 $1,220
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Driver Age

Driver age can have a significant impact on Dodge Dakota auto insurance rates. For example, 20-year-old drivers pay approximately $1,492 more each year for their Dodge Dakota auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Dodge Dakota insurance rates. For example, drivers in Phoenix may pay $671 a year less than drivers in Los Angeles.

Your Driving Record

Your driving record can have an impact on the cost of Dodge Dakota car insurance. Teens and drivers in their 20’s see the highest jump in their Dodge Dakota car insurance rates with violations on their driving record.

Dodge Dakota Safety Ratings

Your Dodge Dakota car insurance rates are influenced by the safety ratings of the Dodge Dakota. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Not Tested
Small overlap front: passenger-side Not Tested
Moderate overlap front Good
Side Not Tested
Roof strength Marginal
Head restraints and seats Acceptable
Source: Insurance Institute for Highway Safety
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Dodge Dakota Crash Test Ratings

Not only do good Dodge Dakota crash test ratings mean you are better protected in a crash, but good Dodge Dakota crash ratings also mean cheaper insurance rates.

Vehicle Tested Overall Frontal Side Rollover
Dodge Dakota N/R N/R N/R 4
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Dodge Dakota Safety Features

Having a variety of safety features on your Dodge Dakota can help lower your insurance costs. According to AutoBlog, the 2020 Dodge Dakota’s safety features include:

      • Driver Air Bag
      • Passenger Air Bag
      • Front Head Air Bag
      • Rear Head Air Bag
      • Front Side Air Bag
      • 4-Wheel ABS
      • Front Disc/Rear Drum Brakes
      • Daytime Running Lights
      • Child Safety Locks

Dodge Dakota Finance and Insurance Cost

If you are financing a Dodge Dakota, most lenders will require your carry higher Dodge Dakota coverage options including comprehensive coverage, so be sure to shop around and compare Dodge Dakota auto insurance quotes from the best auto insurance companies using our FREE tool below.

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Ways to Save on Dodge Dakota Insurance

Drivers can end up saving more money on their Dodge Dakota car insurance rates by employing any one of the following strategies.

      • Make Sure You Use an Accredited Driver Safety Program
      • Ask About Seasonal Insurance for Your Dodge Dakota
      • Park Your Dodge Dakota Somewhere Safe – like a Garage or Private Driveway
      • Buy a Dashcam for Your Dodge Dakota
      • Wait Six Years for Accidents to Disappear from Your Record

Top Dodge Dakota Insurance Companies

Who is the best company for Dodge Dakota insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Dodge Dakota insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Dodge Dakota offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Dodge Dakota Insurance Quotes Online

You can start comparing quotes for Dodge Dakota car insurance rates from some of the best car insurance companies by using our free online tool now.

You can expect to pay around $1,300 per year in car insurance costs for a Dodge Dakota.

Bear in mind that the average will change based on the year and specifics of the car you are insuring. This article will review those, and factors like safety features and your personal driving history.

Receive car insurance quotes from multiple companies today!

When considering the cost of ownership and the cost of car insurance for a Dodge Dakota, that are a lot of factors–some you can control, and others you just have to live with. Get a number of rate quotes before you settle on any policy.

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What are the specs and history of the Dodge Dakota?

The Dodge Dakota is a mid-size pickup truck by Dodge, which is part of Chrysler Ram. It was first introduced in the year 1986 and continued until 2009 under Chrysler management.

This award-nominated truck has received some stellar reviews, particularly for its features; it was the first V8 truck, and also had rack and pinion steering, which was an entirely new concept for non-luxury trucks.

Size-wise, this is a truck that is larger than a compact, but smaller than a full-size pickup truck like the Chevy Silverado.

It has the handling and the gas efficiency of an economy truck, but has greater space and capacity like a full-size vehicle.

Since 2009, Fiat has partnered with Chrysler and Dodge, giving this Italian-based company 20% ownership of Chrysler vehicles.

The partnership has brought about smaller and more gas-efficient vehicles in the U.S. The last of the Dodge Dakotas were made in 2011. The series is now discontinued.

There have been three generations of the Dodge Dakota.

The first trucks made had straight-4 and V6 engines while the second generation introduced Magnum and PowerTech V6s and V8s. The third and final generation has the most features, including a longer and wider body, and with options for a V8 High Output engine.

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What current features affect car insurance cost for the Dodge Dakota?

This mid-size pickup starts at $23,000. The best way to tell how much insurance premiums would be for this vehicle is to first analyze its features.

The 2010 Dakota is loaded with features, including a maximum payload (up to 1,800 pounds), a 4.7-liter V8 engine, and a 7,000-pound tow capacity. When it comes to crash-test scores, the results are encouraging.

The National Highway Traffic Safety Administration gives the truck a five-star rating for front and side collisions and The Institute of Highway Safety gives the truck a “good” rating (the highest possible) for frontal-offset and side-impact crashes.

The truck received the lowest scores for rear crash protection, particularly in trucks that did not have a special front-seat lumbar adjustment.

Most sources agree that the Dakota is not any worse than other trucks out on the market. Unfortunately, most Dodge Dakotas do not have any theft prevention devices pre-installed.

There are some models that have optional components, but these will cost you. Nevertheless, having some sort of security system installed could reduce your insurance rates.

It is not considered one of the top 10 most stolen vehicles, despite its lack of security features. However, its lack of safety features is your biggest concern.

How do I impact the car insurance cost for my Dodge Dakota?

The last piece of the puzzle is you.

The insurance company must analyze your driving history, demographics, and regional location and determine the risk involved.

Factors that could bring your insurance premiums up include a poor credit history, multiple accidents or collisions on your record, and a home location or job route that is notorious for claims.

You may be able to discount your insurance premiums by shopping around for different car insurance companies, installing security devices, avoiding troublesome areas and attending a defensive driving class.

Most importantly, avoid collisions, traffic tickets and making claims. Full coverage is recommended due to the expense of this vehicle, especially if you are still paying on it.

If you are a young driver, you will have to pay more.

It is recommended that younger drivers look for a multi-driver policy along with household family members to reduce rates. Older drivers sometimes have to pay more as well, though statistically, older drivers take fewer risks than younger drivers, even if their vision or judgment is impaired.

Women are also statistically safer drivers than men.

Demographical information may not seem fair, but in the end, this data helps insurance companies create a “default” or a “standard” to work by and compare with each individual customer.

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