Vehicles > Dodge > Dakota

Dodge Dakota Insurance Cost

Buying car insurance through online rate quotes is easy, plus you might just save a little. The key is to take the time to get rates from all providers in order to have the lowest rate quotes.

People who are new to buying insurance may think purchasing affordable Dakota insurance is going to be difficult. When shopping for car insurance there are multiple ways to compare quotes from car insurance companies in your area. By far the easiest way to compare Dakota insurance rates is to get quotes online. This can be done by comparing rates here.

Rates are impacted by these factors

Auto insurance rates paid to insure a Dodge Dakota can vary widely based upon several criteria. Including but not limited to:

  • Your driving record
  • Credit rating
  • Your gender can raise or lower rates
  • Deductible amount directly impacts your rate
  • Crash test rating for your Dakota
  • What you do for a living
  • The amount of protection requested
  • Home ownership saves money

A final factor that helps determine Dakota insurance cost is the model year. Older models have a lower value in comparison to older models so the costs to repair will push premiums down. But newer models may have a trim level with safety features including adaptive cruise control, autonomous braking, traction control, and forward-collision avoidance which can lower rates.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Auto liability

Liability insurance protects you from damage or injury you incur to a person or their property in an accident. Liability coverage pays for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Liability insurance is relatively cheap so consider buying higher limits if possible.

Collision insurance

Collision insurance pays for damage to your Dodge from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

This pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by your Dodge Dakota comprehensive insurance. The maximum payout your car insurance company will pay is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants when the "other guys" do not carry enough liability coverage. Since many drivers only carry the minimum required liability limits, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for immediate expenses (i.e. EMT expenses, pain medications, and nursing services). They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. PIP is not available in all states and gives slightly broader coverage than med pay.

How Much are Dodge Dakota Insurance Rates?