Best Car Insurance for Dodge 2022

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Car Insurance for Dodge

On average, Dodge drivers pay ${annualpremium} each year for car insurance. But depending on the model you have, your insurance rates could vary. A Ram 3500 costs $1,322 less more per year to insure than a Durango Sport.
Founded in the early 1900s, Dodge has been a staple in American automobile manufacturing for over one hundred years. They have historically produced high-performance vehicles and quality cars that sit at an affordable price point. Dodge is a solid choice for a driver looking to drive safely and comfortably without breaking the bank.
You’ll want to make sure you have the right car insurance for your vehicle if purchasing a Dodge.
The insurance premiums you have are determined by the model you choose and your unique personal demographics. If you want to save money on car insurance, the Jerry app is a good place to start. A licensed broker, Jerry does all the hard work of finding cheap quotes from the top name-brand insurance companies and buying new car insurance.
Jerry will even help you cancel your old policy, so you don’t have to.
Here are some real quotes from Jerry customers who saved money when insuring their Dodge.
Quote DateCarCity, StateZip CodeAgeCarrier
Before Jerry
After Jerry
April 5, 2021Dodge Dakota SXTPinellas Park, FL3378144Progressive$117/mo.$62/mo.
June 12, 2021Dodge DurangoVancouver, WA9868525Progressive$167/mo.$84/mo.
March 27, 2021Dodge DakotaBoise, ID8370420Progressive$167/mo.$88/mo.
April 4, 2021Dodge Durango SLTLakeland, FL3380548Mercury$174/mo.$99/mo.
May 29, 2021Dodge Charger SEAlbertville, AL3595123Dairyland$257/mo.$222/mo.
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Insurance for Dodge models

Though they are under the same Dodge brand, insurance premiums for a vehicle will depend on the age and model of the car.

Insurance for Dodge based on the year of the car

A brand new Dodge is definitely appealing, but that new car will come with a bigger insurance price tag. Thanks to depreciation, older cars tend to have lower insurance premiums.
According to Edmunds, a new car loses 23.5% of its value in the first year and 60% of its value in the first five years. And the less your car is worth, the less it costs to repair or replace it if you need to make a claim. For you, this means insurance savings.
Drivers with newer cars also tend to lease or finance their vehicles and therefore must have full-coverage insurance. You’ll always pay more for full coverage than for just the mandatory minimum insurance required by your state.
According to Jerry’s internal data, the cheapest years for Dodges are 1997 and 2000.
The most expensive years for Dodges are 2021 and 2020.
Average Cost
Annual Savings with Jerry
2021$5,552$1,360Compare Prices
2020$5,076$1,824Compare Prices
2019$4,190$1,305Compare Prices
2018$3,570$1,095Compare Prices
2017$3,674$1,375Compare Prices
2016$3,706$1,410Compare Prices
2015$3,659$1,242Compare Prices
2014$3,584$1,281Compare Prices
2013$3,058$997Compare Prices
2012$3,509$1,153Compare Prices
2011$2,910$1,130Compare Prices
2010$2,950$1,041Compare Prices
2009$3,010$1,149Compare Prices
2008$2,883$1,058Compare Prices
2007$2,320$807Compare Prices
2006$3,198$1,406Compare Prices
2005$2,705$822Compare Prices
2004$2,355$710Compare Prices
2003$2,639$893Compare Prices
2002$2,438$928Compare Prices
2001$1,674$437Compare Prices
2000$2,003$818Compare Prices
1999$2,302$867Compare Prices
1998$2,158$622Compare Prices
1997$1,706$629Compare Prices
1996$2,172$948Compare Prices
1995$2,835$1,338Compare Prices
1994$2,133$925Compare Prices
1993$1,521$271Compare Prices
1992$1,869$443Compare Prices
Key Takeaway Since older Dodge vehicles typically cost less to repair or replace than newer ones and may not be leased or financed, they tend to have cheaper insurance rates.
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Insurance for different models of Dodge

Different Dodge models have different repair and replacement costs, which means the model you buy will affect your insurance rate. In general, more expensive cars require bigger payouts from insurers—which translates to bigger insurance premiums for you.
Sedans and compact SUVs are generally cheaper to insure than sporty coupes or large SUVs, in part because of their lower prices, higher safety ratings, and less expensive repair costs.
As one of the largest in the Dodge lineup, the Durango has one of the highest average insurance rates due to its size, lower safety ratings, and premium features.
Conversely, a Caliber will be one of the least expensive Dodge models to insure. It’s only available used, and its smaller size will also contribute to lower premiums.
If you want to learn more about car insurance costs for some of the most popular Dodge models, check out the links below.
Key Takeaway Your car model affects your insurance rates. The more expensive the car, the more insurance usually costs.
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Full coverage vs. minimum coverage for your Dodge

Your insurance costs for your Dodge will depend on what kind of insurance you choose. Remember that each state has its own minimum liability insurance requirements that you must adhere to.
Liability insurance covers the costs for other drivers if you are at fault in an accident. Minimum coverages typically include:
Coverage typeProtection offered
Bodily injury liability (per person and accident)Pays for the costs associated with the injuries you’ve caused to others
Property damage liability (per accident)Pays for the costs associated with the damage you cause to other people’s vehicles or property
Uninsured motorist protection (per person and per accident)Applies when a car accident isn’t your fault but the at-fault driver doesn’t have liability insurance to pay for your injuries or property damage.
Personal injury protection (per person and per accident)Pays for your own medical expenses after a car accident.
Some states might require additional coverage, so be sure to do your research before purchasing your vehicle.
If you can afford to, it’s always best to purchase additional coverage beyond the minimum requirements. Even a small accident can result in thousands of dollars of damage and medical bills. If you’re at fault but don’t have enough coverage, you’ll be responsible for paying out-of-pocket for the costs.
Full coverage insurance typically includes:
Coverage typeProtection offered
Collision coverageCovers the costs associated with collisions with another vehicle or object
Comprehensive coverageCovers costs of damages from an event other than a collision, like a weather event, theft, or vandalism.
The average annual insurance premium for a Dodge is $1,804 per year for minimum car insurance and $2,885 for full-coverage insurance. When you consider all makes and models, the average insurance premium in the US is $1,764 per year for minimum car insurance and $2,486 for full-coverage insurance.
Here’s what it costs to insure a Dodge with minimum coverage and full coverage before and after switching with Jerry.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
As is true of most makes, a more expensive car will be more expensive to insure. Compared to similar brands—like Ford and Chevrolet—insurance premiums for Dodges tend to be about the same, if not lower. If you’re comparing the prices of insurance for similar cars, here are the insurance costs for other brands:
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What impacts your insurance costs for Dodge

Providers will consider the car’s model, age, and the type of insurance a driver is taking out when setting rates. They will also take into account an individual’s demographics.

The model of Dodge you drive

Your car’s model can end up influencing your insurance premiums. As mentioned above, opting for the larger Durango will keep your insurance premiums lower than choosing a small model like the Caliber. Even for the same model, your insurance can vary.
Most models are offered with different trim levels—versions of the same model that includes different features. Higher-level trims can lead to pricier insurance rates.
For example, here’s what insurance you might want to consider for a Durango.
TrimFeaturesRecommended coverageReason for coverage
Durango SXTThe base trim is powered by a 3.6-liter V6 engine, 18-inch wheels, load-leveling suspension, and a six-speaker audio system.Towing and Labor coverageTowing and labor coverage will protect you if your Dodge Durango ever breaks down on the road and need assistance.
Durango SRTThe top-of-the-line trim features a 6.4-liter V8 engine, Brembo brakes, sport seats with upgraded leather, and other premium upgrades.New car replacement insuranceIf your new car is totaled soon after purchasing and you have this coverage, you’ll be entitled to the full purchase price of the car rather than its actual cash value.

Your insurance company

Each insurer uses its own proprietary formula to determine premiums. This means that even if you compare the exact same coverage with multiple companies, you’ll end up with different quotes.
While saving money is great, remember that the cheapest insurance option isn’t always the best. You don’t want to sacrifice the coverage you need to save a bit each month, only to find out that you’re not fully covered if you get into an accident.
To find the best policy and premium, it’s a good idea to compare quotes from at least three different insurers.
Almost every insurance company offers online quotes, so you can head to their website, fill out a form, and get your rate. But if you’ve ever done this, you know that it can be pretty miserable.
And to make sure you’re getting the right coverage for the best price, comparison shop with Jerry.
Jerry will generate competitive quotes from top providers in less than a minute. Jerry gathers your information from your past insurer, so you’re not responsible for any long forms or phone calls. Basically, you get all of the savings and coverage, with none of the hassles.
Here’s what Dodge drivers paid for car insurance before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
National General$3,659$1,509Compare Prices
Dairyland$3,844$1,295Compare Prices
Nationwide$3,217$1,281Compare Prices
Kemper$3,038$1,189Compare Prices
Safeco$3,567$1,143Compare Prices
Allstate$3,233$1,119Compare Prices
Progressive$3,121$989Compare Prices
State Auto$2,860$959Compare Prices
Travelers$3,393$932Compare Prices
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Your age

Your age is one of the primary factors insurers use when setting your insurance premiums.
Younger drivers typically get into more accidents and are classified as high-risk drivers, so they usually pay more. Older drivers with more experience tend to have lower insurance rates, as insurers don’t have to account for heightened risk when insuring them.

Your driving record

Another major factor used in determining your car insurance premiums is your driving record.
Things such as accidents, speeding tickets, and other violations are routinely checked by your insurance provider. If there are more risks to insuring you, they may raise your premiums.
But if you work on improving your driving habits and maintain a clean record moving forward, you’re likely to see your rates drop.
Here are some common insurance premiums for Dodge drivers with previous infractions:
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Where you live

Insurance premiums change depending on your location since different areas have different rates of accidents, crime, and severe weather events. This means that insurance rates can vary dramatically within the same state.
It’s all about the risk your insurance company has to bear to insure your vehicle. If your city has lots of car thefts and collisions or routinely experiences severe weather events, you can expect to pay more for your coverage.
According to our data, there is a high percentage of Dodge drivers in cities including Atlanta (GA), Houston (TX), Red Oak (VA), San Antonio (TX) and Jacksonville (FL).
The cheapest car insurance for Dodge for Jerry users is in Roeland Park (KS) and Williamstown (KY).
The most expensive car insurance for Dodge for Jerry users is in Amityville (NY) and Irwinton (GA).
The best car insurance rates can be found by comparison shopping with Jerry, no matter where you live, what your personal driving history is, or what model of Dodge you drive.
Jerry is your ultra-talented car insurance broker for life. No need to sit across from him at a desk—Jerry is an app! It takes less than a minute to sign up and you’ll be presented with competitive rates from 50+ top providers. Don’t lose coverage—find savings with Jerry.
The average Jerry user saves $879 a year on their car insurance!

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