Compare Dodge Dakota Car Insurance Rates [2025]
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. The cost of insurance for drivers depends on a few factors that will be discussed in detail here.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: May 13, 2024
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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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: May 13, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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.
How much does 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?
Your Dodge Dakota insurance can cover damage caused by accidents involving other vehicles, pedestrians, animals, and even weather conditions such as hail storms. It also protects against theft and vandalism.
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 |
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 for drivers?
The Dodge Dakota trim and model you choose, along with any other additional coverage, will affect the total price you will pay for Dodge Dakota insurance.
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 |
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.
What are the 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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What are the 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 | ||||
|---|---|---|---|---|
What are the 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:
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- 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
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How much does it cost to finance a Dodge Dakota? And what does the insurance cost?
If you are financing a Dodge Dakota, most lenders will require you to 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.
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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Enter your ZIP code below to view companies that have cheap car insurance rates.
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What are some ways to save on Dodge Dakota auto insurance for drivers?
Drivers can end up saving more money on their Dodge Dakota car insurance rates by employing any one of the following strategies.
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- Make Sure You Use an Accredited Driver Safety Program
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Ask About Seasonal Insurance Products for Your Dodge Dakota
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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
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What are the 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 | |||
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.
Read More: Compare Chrysler Car Insurance Rates
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.
Read more: Magnum Car Insurance Review
What current features affect car insurance costs 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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Frequently Asked Questions
How much does Dodge Dakota insurance cost?
The average cost of Dodge Dakota car insurance is $1,220 per year or $102 per month.
Are Dodge Dakotas expensive to insure?
Dodge Dakota insurance rates are generally lower than the average vehicle due to being out of production for nearly a decade. Liability-only coverage costs about $489 per year or $41 per month, while teens may pay around $4,459 per year or $372 per month.
What factors impact the cost of Dodge Dakota insurance?
The cost of Dodge Dakota insurance depends on factors such as the trim and model of the vehicle, age of the vehicle, driver’s age, driver’s location, and driving record.
What are the safety ratings of the Dodge Dakota?
The safety ratings of the Dodge Dakota are generally positive. It has received good crash test ratings and offers various safety features.
How can I save on Dodge Dakota auto insurance?
Some ways to save on Dodge Dakota auto insurance include asking about seasonal insurance products, parking the vehicle in a safe location, and comparing quotes from different insurance companies.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
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.