Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Sep 24, 2020

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If you want a better deal on your Dodge Dakota auto insurance rates, then you’re in the right place. Drivers of this midsize pickup truck have a few things going for them which can help them get a more affordable price on their policy.

At the same time, however, you also need to know a few tips and tricks that you can use against your insurance company to get the premium you deserve. And this is the best place to find them.

Use our FREE quote tool to compare insurance rates now!

A Brief History of the Dodge Dakota

The Dodge Dakota has actually been around since 1987, although it finally ended it’s 24-year run in 2011. During its last two years, it was actually sold as the Ram Dakota – Ram, of course, being Dodge’s well-known line of pickup trucks.

The first two generations of Dodge Dakotas had nearly decade long runs each, but the 3rd generation was slightly shorter, only in production from 2005 to 2011. Its discontinuation came about due to a perceived “declining popularity of compact trucks” in the US market.

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Dodge Dakota in the News

Despite Sergio Marchionne’s vitriolic hatred of all vehicles which are reasonably sized and fuel-efficient, Fiat Chrysler is making moves behind the scenes to go back to basics.

Very recent news announcements have confirmed that Ram, a subsidiary of Dodge, which is a subsidiary of Fiat Chrysler, is planning to reveal a new midsize pickup model as early as 2022.

And yes, it will be available for sale in the US market.

Mid-sized truck lovers may or may not be excited about the fact that Mr. Marchionne will be eating a big, heaping pile of crow when the Dakota’s next of kin starts setting new sales records upon its debut.

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Comparing Dodge Dakota Auto Insurance Coverage

Do you live in a big city with lots of traffic? Or is your area more rural, with fewer people on the roads? Furthermore, do you live in a state where Auto Insurance is exorbitantly expensive, we’re ridiculously affordable?

We’re sure you can guess where we’re going with all of these questions: a big part of auto insurance revolves around where you spend the most time on the road.

Cities and towns with lots of accidents and high rates of traffic will increase your likelihood of an accident, and also increase your monthly rate.

Dodge Dakota Auto Insurance Premiums by State Legend: Dodge Dakota Arizona South Dakota Texas Ohio Arkansas 5 10 15 20 25 30 35 40 45 50 55 60 65 70 75 80 85 90 95 $95 $45 $95 $70 $65

Then again, different insurance companies have different standards when it comes to figuring out which parts of your personal history will or won’t make you a riskier driver.

Insurance companies, for the most part, love to insure drivers that they believe will not file any expensive claims anytime soon. And they tend to reward them with lower rates.

Riskier drivers, on the other hand, tend to get penalized with higher premiums because your insurance company wants to protect themselves from expensive claims they anticipate you filing in the future.

Dodge Dakota Car Insurance Premiums by Company Legend: Dodge Dakota Traders Hallmark The General State Farm Allstate 10 20 30 40 50 60 70 80 90 100 110 120 130 140 $80 $89 $140 $65 $132

Given the fact that the Dakota you’re driving around right now is at least 7 years old, you are in a unique position compared to other drivers.

Owning an older vehicle can give you much more flexible options when choosing which and how much coverage to purchase. Older vehicles don’t need expensive additions like gap coverage.

Furthermore, you can choose to raise your deductible on your comprehensive and collision coverage seeing as how it probably won’t cost as much to pay most or all of the expense for repairs or replacements on such a claim.

Alternatively, you could forgo comprehensive and collision coverage altogether if you think you have enough money saved up to replace your vehicle in the event of a total loss accident.

Full Coverage vs. Less Coverage for Older Vehicles Legend: Full Coverage Moderate Coverage Traders Hallmark The General State Farm Allstate 15 30 45 60 75 90 105 120 135 150 165 180 $94 $80 $129 $89 $189 $140 $85 $65 $175 $132

Of course, you’ll never really know how much you could possibly save unless you start comparing quotes right now. And we can help you do it! All you need is your zip code and our quote tool.

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See also: Chrysler – Dodge | Chrysler – Jeep | Ram Trucks | Chrysler Car Insurance