Buy Cheap Dodge Dakota Auto Insurance in 2024
Average Dodge Dakota insurance rates cost $1,220 a year, or around $102 a month. On average, comprehensive coverage costs $297, collision coverage costs $434, and liability coverage costs $344 for Dodge Dakota insurance.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
UPDATED: Jan 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jan 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Key takeaways:
- 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 average $1,220 a year or $102 a month for full coverage. Good drivers can save up to $503 a year in policy discounts by practicing safe driving habits.
Continue reading to learn how you can save $503 per month on Dodge Dakota insurance rates, safety ratings, 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 auto insurance rates for a Dodge Dakota cost $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 GMC Canyon, Honda Ridgeline, and Toyota Tundra.
| Vehicle | Comprehensive | Collision | Liability | Total |
| GMC Canyon | $270 | $478 | $398 | $1,304 |
| Honda Ridgeline | $306 | $536 | $450 | $1,472 |
| Toyota Tundra | $320 | $512 | $440 | $1,452 |
| Toyota Tacoma | $294 | $482 | $390 | $1,324 |
| GMC Sierra | $336 | $594 | $372 | $1,460 |
| Chevrolet Silverado 3500HD | $404 | $656 | $420 | $1,660 |
However, there are a few things you can do to find the cheapest Dodge insurance rates online.
Read more: Buy Cheap GMC Auto Insurance
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
Older Dodge Dakota models generally cost less to insure. Auto insurance for a 2010 Dodge Dakota costs $1,220.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2010 Dodge Dakota | $206 | $310 | $524 | $1,220 |
Driver Age
Driver age can have a significant effect on Dodge Dakota car insurance rates. For example, 20-year-old drivers pay $1,492 more for their Dodge Dakota car insurance each year than 30-year-old drivers.
Driver Location
Where you live can have a large impact on Dodge Dakota insurance rates. For example, drivers in New York may pay $745 a year more than drivers in Seattle.
Your Driving Record
Your driving record can have an impact on your Dodge Dakota auto insurance rates. Teens and drivers in their 20’s see the highest jump in their Dodge Dakota car insurance with violations on their driving record.
Dodge Dakota Safety Ratings
Your Dodge Dakota auto insurance rates are tied to the Dodge Dakota’s safety ratings. 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 | Marginal |
| Roof strength | Not Tested |
| Head restraints and seats | Acceptable |
| Source: Insurance Institute for Highway Safety | |
Dodge Dakota Crash Test Ratings
The crash test ratings of the Dodge Dakota can impact your Dodge Dakota car insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| Dodge Dakota | N/R | N/R | N/R | N/R |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Dodge Dakota Safety Features
Good Dodge Dakota safety features can result in insurers giving you car insurance discounts. The safety features for the 2020 Dodge Dakota are:
- 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, you will pay more if you purchase Dodge Dakota car insurance at the dealership, so be sure to shop around and compare Dodge Dakota car insurance quotes from the best companies using our FREE tool below.
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Ways to Save on Dodge Dakota Insurance
You can save more money on your Dodge Dakota auto insurance rates by employing any of the following five strategies.
- Choose Automatic Payments or EFT for Your Dodge Dakota Insurance Policy
- Use Paperless Billing for Your Dodge Dakota Insurance Policy
- Tell Your Insurer About Different Drivers or Uses for Your Dodge Dakota
- Consider Ride Sharing Services to Lower Your Dodge Dakota Mileage
- Ask for a Higher Deductible for Your Dodge Dakota Insurance Policy
Top Dodge Dakota Insurance Companies
Who is the top auto insurance 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 auto 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 | |||
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.
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Frequently Asked Questions
Can I get specialized insurance coverage for my Dodge Dakota if I use it for commercial purposes?
Yes, if you use your Dodge Dakota for commercial purposes, such as hauling goods or performing business-related tasks, you may need commercial auto insurance. Personal auto insurance typically does not cover vehicles used for commercial activities. Commercial auto insurance provides coverage specifically tailored for vehicles used in business operations. It’s important to discuss your specific needs with insurance providers to ensure you have the appropriate coverage for your commercial use of the Dodge Dakota.
Does the age of my Dodge Dakota affect insurance rates?
Yes, the age of your Dodge Dakota can affect insurance rates. Generally, newer vehicles may have higher insurance premiums due to their higher value and potentially costlier repairs. As your Dodge Dakota ages, its value may decrease, which can lead to lower insurance rates. However, other factors such as the vehicle’s safety features and the cost of replacement parts can still impact the insurance premiums. It’s advisable to discuss the age of your vehicle and its effect on insurance rates with your insurance provider.
Are there any specific insurance considerations for off-road use of the Dodge Dakota?
If you use your Dodge Dakota for off-road activities, it’s important to be aware that standard auto insurance policies typically do not cover off-road usage. Off-road vehicles often require specialized insurance coverage, such as recreational vehicle (RV) insurance or off-road vehicle insurance. These policies are designed to protect your vehicle and provide coverage for specific off-road risks. Speak to your insurance provider to understand your options and ensure you have the appropriate coverage for off-road use.
Can I save on Dodge Dakota auto insurance by increasing my deductible?
Yes, increasing your deductible can often lead to lower insurance premiums for your Dodge Dakota. A deductible is the amount you pay out of pocket before your insurance coverage kicks in. By choosing a higher deductible, you take on more financial responsibility in the event of a claim, which can lower the insurer’s risk and result in lower premiums. However, it’s important to set a deductible that you can comfortably afford to pay if you need to make a claim.
What steps can I take to lower my Dodge Dakota auto insurance premiums?
To potentially lower your Dodge Dakota auto insurance premiums, consider the following five steps:
- Maintain a clean driving record by avoiding accidents and traffic violations.
- Take advantage of available discounts, such as safe driver discounts, multi-policy discounts, and vehicle safety feature discounts.
- Review your coverage options regularly and adjust them based on your needs and budget.
- Consider bundling your auto insurance with other policies from the same provider to qualify for a multi-policy discount.
- Shop around and compare quotes from different insurance providers to ensure you’re getting the best rate.
Are there any specific considerations for insuring a pickup truck like the Dodge Dakota?
Insuring a pickup truck like the Dodge Dakota may come with additional considerations. Pickup trucks often have different usage patterns and may be used for work or hauling purposes. It’s important to discuss your vehicle’s usage with your insurance provider to ensure that you have appropriate coverage. Additionally, the value of the truck, any modifications, and the potential for increased liability due to the size and weight of the vehicle may impact your insurance rates.
How can I find cheap auto insurance for my Dodge Dakota?
To find cheap auto insurance for your Dodge Dakota, consider the following tips:
- Shop around and compare quotes from multiple insurance providers.
- Maintain a good driving record by avoiding accidents and traffic violations.
- Inquire about available discounts and take advantage of those you qualify for.
- Adjust your coverage options and deductibles based on your specific needs and budget.
- Consider installing additional safety features in your vehicle to potentially lower your premium.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.