Dodge Dakota Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Dodge Dakota is less expensive to insure compared to the average truck.
• Liability only insurance premiums for a Dakota come in at around $72 per month, while full coverage usually comes in at about $133 a month.
• The most affordable car insurance company for a Dakota is CaliforniaCasualty, who offers Dakota owners rates as cheap as just $32 monthly.

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Dakota Overview

With 2011 models starting at $23,210, the Dodge Dakota is a great budget-friendly option for any driver. Drive off the dealership lot in style, with four different trim options offered.

We crunched the numbers on thousands of auto insurance quotes on Compare.com, and we've found that Dodge Dakota insurance prices run around $107 a month, on average. But how does that stack up to other similar vehicles out there on the market?

How Much is Car Insurance for a Dodge Dakota?

Looking at the table above, you can see that compared to other vehicles, Dodge Dakota insurance premiums are more affordable than average. On average, Dakota drivers can expect to pay about $72 per month for liability insurance, and around $133 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (check out our guide, "State Minimum vs. Full Coverage", to learn more about the difference between these types of insurance).

Compared to other Dodge models, the Dakota is cheaper, with prices about 26% lower than the rest of the automaker's vehicle lineup. Compared to truck offerings from other brands, auto insurance for a Dakota runs close to average, with full coverage insurance rates 10% cheaper than other trucks and liability insurance premiums coming in at 3% higher.

When compared to all vehicles, regardless of model, make, or body style, full coverage prices are less expensive for a Dakota, but run higher than average for liability only policies.

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Who has the Cheapest Car Insurance for a Dodge Dakota?

If you're in the market for an auto insurance policy for a Dodge Dakota, you're probably most interested in which carrier offers the most affordable prices. Even though costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $25 per month from ACG. The runner up for cheapest rates is Oasis, with car insurance policies starting sometimes as little as $31 per month.

CaliforniaCasualty, Ohio Mutual, and Workmens round out the end of the top 5 list. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

Car insurance carriers take a wide array of different things into consideration when offering you premiums. The only way to guarantee you'll find the lowest rates is to compare quotes from several insurance companies.

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What Factors Affect Car Insurance Rates for a Dodge Dakota?

There are a lot of pieces that car insurance carriers take into account to calculate how much they charge for a policy -- and each company uses a different algorithm, so there's not one single carrier that's the most affordable for every Dakota driver.

Keep reading to learn which variables auto insurance companies look at and how they affect your final rate:

Vehicle Age

The Dodge Dakota has been around for a while -- that means vehicle age will likely make a big difference in what you end up paying for car insurance. Generally, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and Dakotas continue to depreciate, insurance costs will gradually get lower.

A new Dodge Dakota model hasn't been added to the market for over 5 years, so the Dakota won't really fit this trend. However, as you can see in the table above, the cheapest Dodge Dakotas to insure are those that are 2 to 3 years old, while the most expensive models are Dakotas that are 11 to 14 years old, on average.

Your Age

Your age is another factor that makes a significant difference in how much you pay for auto insurance. As you can see above, young drivers pay more compared to those who have more experience on the road. In this case, drivers under 18 pay over three times as much as those 25 or older.

Auto insurance prices continue to decrease as you get older, with the cheapest age group for Dakota drivers being 55-64.

Your Gender

Did you know women tend to pay less for insurance than men? This is because men are more likely to get speeding tickets and get into collisions, which increases the chances of an insurance claim. When it comes to Dakota drivers specifically, men pay around 12% more than women a month for auto insurance.

Where You Live

You're probably already aware that factors such as how old you are and what vehicle you drive play a role in your insurance rates, but did you know that where you live can have just as much as an impact? Insurance is regulated on the state level rather than nationally, so prices differ quite a bit depending on where you live.

For example, the average Dodge Dakota owner in New York pays about $88 per month for liability coverage, while the same driver in California will pay $36 less than that price, on average. The chart shows average premiums for the 10 largest states by population, just to give you a good idea of how much rates can change depending on where you live.

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Dodge Dakota Car Insurance Discounts

Whatever your car, your home state, or your age, using as many discounts as possible when it comes to your car insurance policy is always important.

Even though all insurance carriers offer their own unique discounts, there are a few that you'll find with most insurers. These include things like:

• Multi-policy discounts for getting both your home and auto policies from the same company
• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Pay-in-full discounts for choosing to pay your entire policy rate at once, rather than by monthly payments
• Multi-car discounts for having several vehicles on your auto policy

But these aren't the only discounts auto insurance companies offer to their customers.

While you can't control every variable car insurance carriers examine to calculate prices (like some of the ones mentioned above), there are quite a few that you do have control over. Below are just a few of the ones you can use to your advantage when it comes to cost savings:

Your Driving Record

It's no secret that auto insurance companies offer the lowest premiums to drivers with a history of responsible driving. It shouldn't come as a surprise that your insurance rates will get higher if you get cited for speeding or get into an accident. But you still might be left wondering exactly how much these infractions will cost you.

You can tell from the table above that accidents will usually cost Dakota drivers more than tickets, but both will result in a raise in rates. Dodge Dakota drivers with a single accident on their record pay an average of $94 per month (up $22 from the $72/mo. overall average), while drivers with one ticket will pay about $81 a month. Drivers with multiple kinds of either violation will end up paying even more.

How Much You Drive

Another factor that plays a role in your car insurance prices is the amount of miles you drive annually. Those who drive less often are more likely to go accident-free, so they'll normally end up paying less for insurance. Based on the table above, you can see that Dodge Dakota owners who drive 10,000 miles or more pay $74 for car insurance, while those who drive fewer than 2,500 miles each year pay about $66 monthly.

If you don't drive much because you work from home or have a second vehicle, it may be worth considering pay-per-mile or usage-based auto insurance. With these kinds of coverage, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Dodge Dakotas Compare to Other Vehicles?

If you're thinking about making a Dodge Dakota your next vehicle, you might be wondering how it compares to other cars. Auto insurance is just one cost that's associated with a new car purchase, but it's definitely one that's worth considering carefully.

Take a look at the table below to see how the Dodge Dakota stacks up:

With an MSRP that's a third less than the going rate for a new vehicle, the Dodge Dakota is a fantastic value when it comes to price. The Dakota starts at $23,210, which is quite a bit lower than the national average vehicle MSRP of $35,020. And since there hasn't been a new Dakota model on the market recently, used prices will be even cheaper.

Likewise, car insurance rates are lower when compared to other vehicles on the market. Liability insurance for a Dodge Dakota is around $10 per month less than average, while full coverage is over $20 cheaper a month.

When it comes to usage, Dodge Dakota drivers are far from the national average in annual miles driven, with 11,617 miles for all vehicles every year compared to the Dakota's 10,402 a year.

Dodge Dakota Car Insurance Costs by Model Year

We've walked through many of the variables that can have an impact on how much the average driver pays for auto insurance. But if you're considering purchasing a new Dakota, having a good idea of how much you'll likely pay can be extremely helpful as you weigh your choices and compare it to other vehicles on your shortlist.

Choose Your Model

2011 Dodge Dakota Car Insurance 2010 Dodge Dakota Car Insurance 2009 Dodge Dakota Car Insurance 2008 Dodge Dakota Car Insurance 2007 Dodge Dakota Car Insurance 2006 Dodge Dakota Car Insurance 2005 Dodge Dakota Car Insurance 2004 Dodge Dakota Car Insurance 2003 Dodge Dakota Car Insurance 2002 Dodge Dakota Car Insurance 2001 Dodge Dakota Car Insurance 2000 Dodge Dakota Car Insurance 1999 Dodge Dakota Car Insurance

2011 Dodge Dakota Car Insurance

The average cost to insure a 2011 Dodge Dakota with liability only coverage is $71 monthly, while full coverage runs about $149 per month.

With prices as low as $34 monthly, FirstChicago offered the cheapest policy we found.

Want to know just how much you'll pay? Enter your ZIP code below to get lots of customized quotes for free.

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2010 Dodge Dakota Car Insurance

2010 Dakota drivers can expect to pay an average of $68 a month for liability or $138 for full coverage.

If you're looking for the cheapest possible 2010 Dodge Dakota insurance policy, ACG offered the most affordable policy we found, with rates as little as $25 per month.

While these are good estimates of what the average driver might pay to insure a 2010 Dodge Dakota, these premiums might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2009 Dodge Dakota Car Insurance

It costs around $66 a month for liability or $132 for a full coverage policy for the 2009 Dodge Dakota.

Clearcover offered the cheapest policy we found, with rates as low as just $18 monthly.

If you want to find the best rates for car insurance for a 2009 Dodge Dakota, enter your ZIP code below and compare a whole range of personalized quotes in just a few minutes.

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2008 Dodge Dakota Car Insurance

On average, drivers who own a 2008 Dakota can expect to pay $77 to $136 per month for liability only and full coverage insurance, respectively.

Looking for the lowest policy? Arrowhead offered liability only coverage for sometimes as low as $22 monthly.

Want to find the best rates? Just enter your ZIP code below to get multiple free personalized quotes.

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2007 Dodge Dakota Car Insurance

You can expect full coverage for a 2007 Dodge Dakota to run about $133 per month, while liability only coverage will average around $72 a month.

Shelter Mutual has premiums sometimes as cheap as $21 per month for the 2007 Dodge Dakota.

If you want to know exactly how much you can expect to pay for your Dakota, get free quotes in minutes by just entering your ZIP code below.

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2006 Dodge Dakota Car Insurance

2006 Dakota drivers can expect to pay an average of $78 a month for liability or $142 for full coverage.

With rates as little as just $16 monthly, ACG offered the cheapest policy we found for the 2006 Dodge Dakota.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2005 Dodge Dakota Car Insurance

On average, drivers who own a 2005 Dodge Dakota can expect to pay $76 to $145 per month for liability only and full coverage auto insurance, respectively.

We found Liberty Mutual offered the lowest policy, with rates as cheap as $17 monthly.

If you're looking for a more exact figure on what you should pay for car insurance for a 2005 Dodge Dakota, you can get free quotes in minutes by just entering your ZIP code below.

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2004 Dodge Dakota Car Insurance

You can expect full coverage for a 2004 Dakota to run about $146 a month, while liability only coverage will average around $80 per month.

With prices as little as just $17 monthly, MetLife offered the most affordable policy we found.

Want to know exactly what your insurance price will be? Enter your ZIP code below to get a variety of personalized quotes for free.

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2003 Dodge Dakota Car Insurance

It costs about $76 a month for liability or $130 for a full coverage policy for the 2003 Dodge Dakota.

Looking for the lowest policy? MetLife offered liability only coverage for as low as $18 monthly.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2002 Dodge Dakota Car Insurance

The average cost to insure a 2002 Dakota with liability only coverage is $81 per month, while full coverage runs around $125 a month.

With rates as low as just $17 monthly, Safeco offered the most affordable policy we found for the 2002 Dodge Dakota.

If you want to know just how much your premium will be, just enter your ZIP code below and get several free quotes in minutes.

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2001 Dodge Dakota Car Insurance

You can expect full coverage for a 2001 Dodge Dakota to run about $125 per month, while liability only coverage will average around $70 a month.

ACG has prices sometimes as low as $14 monthly for the 2001 Dodge Dakota.

Want something more accurate than nationwide averages? Get several customized quotes for free by just entering your ZIP code below.

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2000 Dodge Dakota Car Insurance

On average, drivers who own a 2000 Dakota can expect to pay $72 to $129 a month for liability only and full coverage auto insurance, respectively.

If you're looking for the most affordable 2000 Dodge Dakota insurance policy, Safeco offered the cheapest policy we found, with rates sometimes as cheap as $20 per month.

If you want to find the best premiums for insurance for a 2000 Dodge Dakota, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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1999 Dodge Dakota Car Insurance

The average cost to insure a 1999 Dodge Dakota with liability only coverage is $73 monthly, while full coverage runs about $102 per month.

Clearcover offered the most affordable policy we found, with rates as cheap as just $17 a month.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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Dodge Dakota Insurance FAQs

Is a Dodge Dakota expensive to insure?

The Dodge Dakota is less expensive to insure compared to the average vehicle. Liability insurance runs an average of $72 per month, while full coverage will cost you around $133.

How can I get the best price on car insurance for my Dodge Dakota?

There's only one way to be confident you're getting the lowest rates -- checking prices regularly and comparing quotes from an array of carriers. Over time, your driver profile changes, so it's a good rule of thumb to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from multiple companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Dodge Dakota affect my insurance rates?

You've probably heard the old adage that red cars cost more to insure than cars of other colors, but that's actually not true. There are a whole bunch of factors car insurance carriers examine when they decide how much your policy will be, but your Dodge Dakota's color is not on that list.

Do I need to have insurance before I buy a Dodge Dakota?

You'll need to have a valid auto insurance policy before you can legally drive your new (or new to you) Dakota off the dealership lot. Some dealerships may offer you an insurance policy as part of the car-buying process, but the easiest thing to do is to let your insurance company know before you buy.

What car insurance discounts can I get for my Dodge Dakota?

There are a multitude of discounts out there for car insurance. Many of them (like "pay-in-full discounts" and "multi-policy discounts") are more based on you than the car you drive, but if your Dakota has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may qualify for certain discounts. The only way to be certain is to get in touch with your insurance carrier and ask about their discounts, since they vary quite a bit from company to company.