About $1,318 a year for full coverage on a national average — 8% less than the $1,438 average car. Insurers rate the Dodge Dakota at an index of 92 where 100 is a typical vehicle, based on how often and how expensively these cars actually generate claims (latest data covers 2009-2011).
The premium isn't spread evenly across the Dodge Dakota: Property damage — damage you cause to other property — carries its highest loss index at 119, while Collision sits at 82. Those 37 points are the real reason behind the price, and they are the part a quote form never shows you. Against what the car is worth the bill looks different again: a 2009 Dakota sells for a median $4,288, so a year of cover costs 30.7% of the car's value. Calculated from 24 insurance-loss records and live US listing prices.
Why a Dakota costs what it does
Insurers don't price a car with one number — they track losses separately for each kind of cover. An index of 100 is the average vehicle, so anything above means this model generates costlier claims of that type:
Read it as «where the money goes». A high Collision figure means these cars are expensive to repair after a crash; a high Comprehensive figure points at theft, weather and vandalism instead. Estimated annual split at $1,318: Liability (BI + PD) $633 · Collision $369 · Comprehensive $158 · Other (UM / PIP) $158.
How it changed by generation
Insurance-loss index of the Dakota across every generation in the data. Newer isn't automatically cheaper — driver-assist systems cut crash frequency, while sensors and aluminium panels push repair bills up:
Each point averages every recorded variant of that generation. The Dakota has held a steady loss index across generations.
What a Dakota costs by state
Where you park matters as much as what you drive. The Dakota's index applied to each state's average premium — the same car, the same cover, different postcode:
| State | Dakota est. / yr | vs national |
|---|---|---|
| Florida | +39% vs US | |
| Louisiana | +38% vs US | |
| New York | +32% vs US | |
| District of Columbia | +26% vs US | |
| Georgia | +21% vs US | |
| Texas | +20% vs US | |
| Wisconsin | -30% vs US | |
| Hawaii | -31% vs US | |
| Idaho | -32% vs US | |
| North Dakota | -33% vs US | |
| Vermont | -33% vs US | |
| Maine | -36% vs US |
Six priciest and six cheapest states shown. Figures are the state's average premium scaled by the Dodge Dakota's loss index of 92 — your own quote also depends on age, record, deductible and ZIP.
Dodge Dakota insurance — frequently asked
How much is insurance for a Dodge Dakota?
About $1,318 a year for full coverage at the national average, versus $1,438 for a typical car. That's the model's insurance-loss index of 92 applied to the US average premium.
Why is the Dakota expensive or cheap to insure?
For the Dodge Dakota the costliest area is Property damage at an index of 119, covering damage you cause to other property — against 82 for its cheapest. Insurers set premiums from claim history like that, not from the sticker price — which is why the Dodge Dakota lands at 92, not at what it costs new.
Is that a lot relative to the car's value?
A year of cover is 30.7% of what a 2009 Dakota sells for — $1,318 against a median price of $4,288. Cheap cars often show a higher percentage even when the dollar premium is lower, and at 30.7% the Dakota sits on the expensive side of that trade.
Where does this data come from?
Insurance-loss indices published for real vehicles, combined with NAIC state average premiums. It's claim history, not a quote engine — so it shows what these cars actually cost insurers rather than what one company would offer you.
Will my own quote match this?
Treat it as a baseline for the car itself. Your figure also moves with age, driving record, deductible, mileage and ZIP code — the same Dakota can differ by hundreds between two drivers.
How we work this out
Mark ForCar as a preferred source and our data shows up first in your Google results. One click, no account.