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Key Takeaways

  • For a Dodge, the average annual insurance cost is $1647 for basic auto insurance and $2418 for full coverage. When all makes and models are included, the average annual insurance rate in the United States is $1557 for basic coverage and $2319 for full coverage.
  • Even though they are all under the Dodge brand, a vehicle's insurance costs are determined by age and model.
  • In the first year, a new car loses 24% percent of its worth, and in the first five years, it loses 60% of its value. If you need to make a claim, the less your car is worth, the less it will cost to repair or replace it. This equals lower insurance premiums for you.
  • Drivers of newer cars are more likely to lease or loan their cars, necessitating the purchase of full-coverage insurance. As a result, you'll always pay more for complete coverage than the state's obligatory minimum insurance requirement.
  • The model of your car influences your insurance prices. Insurance normally costs more when a car is more expensive.

Introduction

Whether you now own a Dodge or plan to buy one in the future, knowing how the cost of Dodge car insurance differs by the model will help you make a wiser financial decision.

The History of Dodge

Dodge doesn't have many nameplates remaining in production after dividing the truck division under the Ram brand. So the Challenger, Charger, and Durango are the only models available in 2022.

The remaining 2022 Dodge models' average auto insurance costs range from $1788 per year for the Dodge Durango to $2166 per year for the Dodge Challenger.

How much does it cost to insure a Dodge?

Dodge insurance costs an average of $2016 per year for full coverage. Due to the higher insurance costs for the higher-performance Challenger and Charger and the limited number of models remaining, this rate is significantly skewed upwards.

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Factors that Impact the Rates for Auto Insurance for Dodge

The make and model of the car you're insuring is one of the most important elements in determining the entire cost of premiums.

Insurance companies may assign ratings to different makes and models, which is why premiums vary from carrier to the next.

Other factors that influence Dodge car insurance prices include:

  • Crash rate stats - The Insurance Institute for Highway Safety gives different ratings to different Dodge models, with the Dodge Ram 1500 being named a Top Safety Pick and others receiving mediocre ratings (IIHS).
  • Cost of Parts - Because Dodge cars are built and assembled across North America, parts may be less expensive overall. In addition, less expensive parts contribute to lower insurance costs because replacement is likely less expensive.
  • Safety Mechanics - Blind-spot alerts and crash prevention features such as forward collision and crash impending braking are available in the Dodge lineup.

Choosing a Dodge with higher safety ratings and a bigger number of safety features, regardless of the model you choose, could help keep the cost of Dodge car insurance within your budget.

Options such as the following could be included in enhanced safety features:

  • Blind-spot monitoring: When changing lanes, this warning system alerts the driver if another car or object is in the driver's blind spot.
  • Traction control: Some Dodge cars, such as the Dodge Durango, have an all-speed traction control system that improves turn stability and control while also helping to minimize rollovers.
  • Forward collision warning: This system will alert the driver if they are approaching the car in front of them too closely. If the driver fails to react, Active Braking will be used to bring the car to a complete stop.

Car Insurance for a Dodge

According to a study by Way.com, the average cost of car insurance for full coverage is $2016 per year. On the other hand, Dodge insurance can cost more or less based on the make and model and personal driving variables.

Way.com looked at several Dodge cars to see how much it would cost to insure one vs. the other. Except for the Dodge Journey, discontinued in 2020, all models will be available in 2022.

According to the most recent premium statistics, the average cost of car insurance for full coverage is $1557 per year. Comprehensive and collision coverage are included in the annual fee.

Car Insurance for Dodge by Make and Model

If you're comparing a few Dodge models, it's a good idea to look at how the Dodge insurance costs compare.

When comparing average rates, remember that Dodge car insurance's cost will be highly dependent on your specific demands and personal criteria like driving history and claim history.

In some areas, insurers may utilize personal data such as your age, gender, and credit-based insurance score to establish your insurance rate.

The Dodge model you choose will affect your insurance prices, as each model has its basic rate with the insurance companies. The Dodge Charger and Challenger have the most expensive average premiums for full and basic coverage.

Consider the Dodge Durango and Grand Caravan for affordable rates.

Dodge Model Average annual full coverage premium
Dodge Challenger $2088
Dodge Charger $2082
Dodge Durango $1638
Dodge Grand Caravan $1638
Dodge Journey $1719
Dodge Ram 1500 $1710

Cheapest Car Insurance Companies for Dodge

The cost of insuring a Dodge model varies greatly depending on the driver's age. Younger drivers are more expensive to insure since they are more likely to cause an accident.

By age 25, both the probability and the premiums have dropped considerably. In fact, until after 60, insurance costs continue to drop, with only minor increases.

In most states, credit plays a significant factor in premiums. However, young people under 25 are considerably more likely to have little or no credit history. Joining their family's multi-vehicle policy would be the greatest way to avoid this.

As kids become older and keep a good driving record, their premiums will become more inexpensive. But, at the same time, they can improve their credit.

Based on resale values and safety ratings, insurance premiums by age differ between brands.

The table below shows how different Dodge insurance costs may be from one insurance company to the next and from one model to the next. Although your rates may vary from these averages, some Dodge models are less expensive to insure on average than others.

Car Insurance Company Dodge Challenger Dodge Charger Dodge Durango Dodge Grand Caravan Dodge Journey Dodge Ram 1500
Amica $1479 $1563 $1281 $1329 $1389 $1338
Erie $1563 $1491 $1287 $1347 $1419 $1257
State Farm $1728 $1764 $1458 $1440 $1575 $1581
USAA $1398 $1377 $1209 $1179 $1149 $1212

How Much is Insurance for a Dodge Challenger SRT Hellcat?

Across all model years, insurance for a Dodge Challenger SRT Hellcat costs roughly $2529 per year. Out of the four Dodge models examined by Way.com, it's the most expensive to insure. Additionally, compared to other car makes and models, it is more expensive to insure.

The cheapest auto insurance for a Dodge Challenger SRT Hellcat is offered by Nationwide, which costs around $1788 per year. On the other hand, Allstate has the most expensive premiums, at roughly $3039 per year.

Company Average Annual Premium
Nationwide $1788
State Farm $2163
Allied $2514
USAA $2616

How Much is Insurance for a Dodge Challenger?

The average annual cost of car insurance for a Dodge Challenger is $1578 for all model years. It's the second most expensive to insure out of the four Dodge models Way.com looked at. Compared to other car makes and models, it's very expensive to insure.

USAA offers the most economical Dodge Challenger car insurance rates at $1248 per year. On the other hand, Allstate offers the most expensive policies, which cost around $1869 per year.

Company Average Annual Premium
USAA $1248
State Farm $1578
Progressive $1608
Nationwide $1713

How Much is Insurance for a Dodge Challenger R/T?

Insuring a Dodge Challenger R/T costs an average of $1566 annually across all model years. It is the third most expensive of the four Dodge models analyzed by Way.com. In addition, this car is considered the most expensive to insure compared to other automobile brands.

USAA offers the cheapest Dodge Challenger R/T car insurance, which costs around $1233 annually. Meanwhile, Allstate's most expensive rates cost around $1863 each year.

Company Average Annual Premium
USAA $1233
Nationwide $1527
Progressive $1584
State Farm $1629

How Much is Insurance for a Dodge Charger?

Out of the four Dodge models examined by Way.com, the Charger is the cheapest to insure. It costs $1458 per year on average across all model years. It is reasonably priced when compared to other car brands.

USAA has the most affordable car insurance, costing roughly $1176 annually. Allied, on the other side, has the most expensive premiums at around $1737 per year.

Company Average Annual Premium
USAA $1176
State Farm $1461
Progressive $1533
Nationwide $1569

Is Dodge Car Insurance expensive?

In truth, Dodge rates are similar to other GM and Ford nameplates in the United States. As previously stated, the Charger and Challenger models account for a considerable portion of the overall Dodge average.

The better performance of these two models translates to higher auto insurance premiums.

So don't be discouraged if Dodge insurance appears to be prohibitively pricey. Instead, check rates for the precise model you require coverage for, and you should be fine as long as you have a good driving record and credit.

Dodge Car Insurance Cost vs. Popular Automotive Brands

Average Dodge car insurance costs 30.5% more per year than Chevrolet, 30.6% more than Ford, 38% more than Honda, 30.3% more than Toyota, and 24.8% more than Nissan due to higher Charger and Challenger rates.

Only roughly three brands have rates that are higher than Dodge. Thus it appears that insuring a Dodge could be quite costly.

Brand Insurance Cost Brand Insurance Cost
Acura $1770 Land Rover $1878
Audi $2088 Lexus $1821
Cadillac $1668 Lincoln $1713
Chevrolet $1548 Mazda $1410
Ford $1545 Mercedes-Benz $2124
Genesis $1827 Mitsubishi $1629
GMC $1641 Nissan $1620
Honda $1461 Ram $1680
Hyundai $1539 Subaru $1464
Infiniti $1929 Tesla $1971
Jaguar $1968 Toyota $1548
Jeep $1683 Volkswagen $1452
Kia $1521 Volvo $1662

What is the cheapest Dodge Insurance?

Dodge Charger is the cheapest to insure. It costs $1458 per year on average across all model years. It is reasonably priced when compared to other car brands.

Which Dodge are expensive to insure?

Across all model years, insurance for a Dodge Challenger SRT Hellcat costs roughly $2529 per year. It's the most expensive Dodge to insure.

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Dodge Car Insurance Rates by State

Dodge auto insurance costs can be significantly higher or lower depending on where you live. Providers cannot alter rates based on credit in California, Hawaii, or Massachusetts. These estimates also don't account for any possible multi-vehicle discounts. These can save a lot of money for a family with many drivers.

The table below shows how these factors affect Dodge models in different states.

State Average Annual Rate State Average Annual Rate
Alabama $1845 Nebraska $1659
Arizona $1527 Nevada $1410
Arkansas $1719 New Hampshire $2316
California $1893 New Jersey $1611
Colorado $2100 New Mexico $1779
Connecticut $1962 New York $1815
Delaware $2502 North Carolina $1674
Florida $2076 North Dakota $1044
Georgia $2469 Ohio $1425
Idaho $2022 Oklahoma $1269
Illinois $819 Oregon $2022
Indiana $1401 Pennsylvania $1845
Iowa $1470 Rhode Island $1551
Kansas $1506 South Carolina $2589
Kentucky $1191 South Dakota $1764
Louisiana $1587 Tennessee $1581
Maine $2289 Texas $1857
Maryland $2934 Utah $1872
Massachusetts $1119 Vermont $1593
Michigan $1803 Virginia $1227
Minnesota $1449 Washington, D.C. $1152
Mississippi $3477 West Virginia $1527
Missouri $1731 Wisconsin $1533
Montana $1638 Wyoming $1536

Full coverage vs. Minimum Coverage for your Dodge

The cost of Dodge insurance is determined by the type of coverage you select. Therefore, it would be best if you kept in mind that each state has its own set of minimum liability insurance regulations you must follow. If you are at fault in an accident, liability insurance covers the costs for other drivers.

The following are common minimum coverages:

Coverage type Protection offered
Bodily injury liability Pays for the expenses incurred due to the injuries you've caused to others.
Property damage liability Pays for the costs of damage to other people's cars or property that you cause.
Uninsured motorist protection This coverage applies when a car accident isn't your fault, but the at-fault driver doesn't have enough liability insurance to cover your injuries or property damage.
Personal injury protection After a car accident, it pays for your medical bills.

Some states may demand additional coverage, so be sure you do your homework before buying a car. It's always a good idea to buy more coverage than the bare minimum if you can afford it. Even a minor collision can cost thousands of dollars in property damage and medical bills.

If you're at fault but don't have enough coverage, you'll have to reimburse the fees out of pocket.

In most cases, full coverage insurance includes the following:

Coverage type Protection offered
Collision coverage Covers expenses incurred from a collision with another car or object
Comprehensive coverage Damages caused by something other than an accident, such as a weather occurrence, theft, or vandalism, are covered.

Other car insurance coverage for a Dodge

Buying the bare minimum of insurance coverage to satisfy state minimum car insurance requirements may allow you to drive lawfully. Still, it may leave you financially vulnerable in an accident or emergency.

Whether insuring a Dodge Charger or a Dodge Grand Caravan, each state has different requirements for minimum coverage and liability limitations.

Dodge car owners may find optional coverage advantageous in addition to minimums and greater liability limits. If you lease or finance a newer car, the lender will almost certainly require comprehensive collision coverage, but gap insurance is another alternative worth considering.

Gap coverage bridges the gap between what you owe on a newer car and what your insurance provider will pay if it's totaled in an accident. This protects you against a large out-of-pocket payment if you are involved in a covered accident with significant damage.

Consider rental car reimbursement, which covers the cost of a rental car (up to a specified amount) while your car is being repaired following an accident. Even if PIP insurance and medical payments coverage are not required in your state, they may be beneficial if you are injured in a car accident.

How to get Dodge Insurance with Way.com

For the same coverage, Dodge insurance costs will vary dramatically amongst insurance companies. Therefore, you should acquire new quotations if you've been with your current insurance company for more than a few years to ensure you're not overpaying.

For free quotations to minimize your insurance expenses, click on the Way.com banner.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

FAQ

What do Dodges cost to insure on average?

Dodge insurance costs an average of $2016 per year for full coverage. Due to the higher insurance costs for the higher-performance Challenger and Charger and the limited number of models remaining, this rate is significantly skewed upwards.

What is the most expensive Dodge model to insure?

Across all model years, insurance for a Dodge Challenger SRT Hellcat costs roughly $2529 per year. It's the most expensive Dodge to insure.

What is the cheapest Dodge model to insure?

Dodge Charger is the cheapest to insure. It costs $1458 per year on average across all model years. It is reasonably priced when compared to other car brands.

Is Dodge expensive to insure?

In truth, Dodge rates are similar to other GM and Ford nameplates in the United States. As previously stated, the Charger and Challenger models account for a considerable portion of the overall Dodge average.

Is insurance higher on a Dodge Charger?

In truth, Dodge rates are similar to other GM and Ford nameplates in the United States. As previously stated, the Charger and Challenger models account for a considerable portion of the overall Dodge average.

Is a Challenger or Charger cheaper on insurance?

The Dodge Charger is the cheapest to insure, costing around $1458 annually. A Dodge Challenger SRT Hellcat, on the other hand, has the most expensive insurance premiums, costing around $2529 per year.

How much is insurance usually for a Dodge Charger?

The Charger is the cheapest to insure. It costs $1458 per year on average across all model years. It is reasonably priced when compared to other car brands.

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