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Cheapest Dodge Car Insurance (Nov 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Dodge.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How much does Dodge car insurance cost?

One of the biggest factors in America’s love affair with motor vehicles, Dodge is known for power, style, and more power. Originating as a parts supplier for the very first
Fords
, the company found its calling when it entered the 1954 Indianapolis 500, and cemented its reputation with the 1966 Dodge Charger. Today, the Dodge Challenger—the number one selling muscle car of 2022—continues the company's legacy of dependability and no-holds-barred excitement.
Dodge vehicle drivers pay an average of $1,140 per year for car insurance, but average costs are not a good indicator of what your own policy might cost. The only way to truly understand how much your car insurance will cost is to compare car insurance quotes for your own driver profile.
First, you need to compare
car insurance quotes
from multiple insurance providers. How else can you recognize a good deal when you see it? We know it's a hassle to sift through so many providers and products, so we invented a
licensed insurance agent
that fits in your pocket—
Jerry
!

How to find the cheapest Dodge Car Insurance Quotes

Jerry is the number one, five-star insurance comparison app on the app store. We helped thousands of Dodge owners find free quotes for car insurance, including the ones below:
DateCarInsurance CompanyPremium (monthly)Customer DetailsInsurance coverage
November 25, 2024
Dodge Durango CrewInfinity
$181
• State Minimum Liability
• Comp / Collision
November 22, 2024
Dodge Dart SXT
Clearcover
$137
• 100,000/300,000 Liability
• Comp / Collision
November 19, 2024
Dodge Journey SEState Auto
$233
• 50,000/100,000 Liability
• Comp / Collision
November 18, 2024
Dodge Challenger SXTSafeco
$224
• State Minimum Liability
• Comp / Collision
November 14, 2024
Dodge Charger R/TNational General
$85
• State Minimum Liability
coverageLast Updated Nov 25, 2024

Best car insurance companies for Dodge drivers

Comparison shopping for auto insurance
is the best way to save money.
No one insurance company offers the best rates for every driver and every make of car, including Dodge. Some companies specialize in helping high-risk drivers, while others prefer customers with
clean driving records
. With thousands of companies across the country, there’s a perfect plan for drivers of every age, location, and driving ability.
Here’s what Dodge drivers had to say about the most popular companies in the nation.

Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco
4.6
4.4
4
4.5
Travelers
4.5
4.2
4.4
4.5
Progressive
4.3
3.9
3.9
4.3
AAA
4.2
4
3.8
4.4
Allstate
4.2
3.6
3.8
4.2
USAA
4
3.5
4.5
4.2
State Farm
4
3.4
3.8
4.2
Farmers
4
3.4
4.1
3.9
Geico
3.9
3.3
3.9
4
Liberty Mutual
3.7
3.2
3.5
3.7
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
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Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
AAA
Wonderful customer service
Gage
Allstate
It was a really good insurance company. Really that you can count on. Almost had it for six years now. It's one the best in my book.
Leslie
State Farm
Great service!
Robin
Progressive
Love the name your price tool and the savings you get with snapshot!
Kelley

Are Dodge's more expensive to insure?

Compared to the average cost of other cars, Dodges cost -- to insure. 
Car MakeAverage State Minimum Insurance CostAverage Full Coverage Insurance Cost
Porsche
$83
$197
Subaru
$85
$155
Jeep
$94
$165
Dodge
$95
$189
Infiniti
$105
$213

Cheapest Dodges to insure

The cheapest Dodge to insure is the 2010 Dodge Grand Caravan, with an average monthly premium of $57 for state minimum coverage.

Car MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
2010 Dodge Grand Caravan
$80
$150
2012 Dodge Grand Caravan
$80
$195
2021 Dodge Durango
$80
$200
2022 Dodge Charger
$80
$273
2010 Dodge Challenger
$80
$157

Most expensive Dodges to insure

The most expensive Dodge model to insure is the 2016 Dodge Charger, with an average monthly premium of $130 for state minimum coverage.

Car MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
2016 Dodge Charger
$130
$236
2013 Dodge Challenger
$129
$211
2017 Dodge Durango
$126
$202
2016 Dodge Durango
$126
$179
2023 Dodge Charger
$125
$262

What factors affect Dodge car insurance rates?

Your motor vehicle is just one factor in
calculating your car insurance
. Here are the other ingredients:
  • The cost of your vehicle: Exotic, luxury, or high-performance sports cars have higher collision, comprehensive, and other coverage costs.
  • The age of your vehicle: New cars feature more sophisticated technology and materials, so they often cost more to insure.
  • The cost of parts: High-value, custom, or imported parts cost more to replace and repair.
  • Your age: Rates for car insurance rise for new drivers and teen drivers, drop at 25, and rise again after 75 when vision and hearing loss increase collision risk.
  • Your driving history and insurance claims record: Insurance companies give lower rates to safe drivers.
  • Your parking spot: If your zip code has a high accident rate, crime rate, or both, you’ll pay higher annual rates.
Specifically, Dodge insurance costs depend on four factors:
  • Domestic: The Dodge brand is made in Michigan, eliminating the price premium associated with imported parts.
  • Safety ratings: Dodge doesn’t have any models in the IIHS's circle of
    Top Safety Picks
    . While the
    NHTSA
    awarded five stars to the Charger and Challenger, the Durango, Journey, and Grand Caravan earned only four.
  • Reliability: According to RepairPal, Dodges have above-average reliability ratings across all model years.
  • Availability: Special edition and limited-run models require rare parts, which pushes up their repair costs.

Dodge insurance cost for young drivers

Teen drivers between 16 and 19 pay the highest premiums of all age groups, making it difficult to find
cheap car insurance for teens
. You can save money by adding young drivers to another policy (like their parents'), but don’t skimp on insurance coverage! Collision and comprehensive coverage can fix the damages caused by inexperience.

card cover
Elmer (22 years old)
coverageCoverage
State Minimum
carDodge Grand Caravan SXT
$243
per month
card cover
Theresa (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carDodge Charger R/T
$415
per month
card cover
Ola (22 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationRockbridge Baths, VA
carDodge Charger Police
$463
per month
card cover
Vera (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carDodge Durango GT
$144
per month
card cover
Gainsco
Arthur (24 years old)
coverageCoverage
No Coverage
carDodge RAM 1500 ST
$120
per month

Dodge insurance cost for senior drivers

As drivers age, their vision, hearing, and reflexes decline, making them more likely to be involved in a car accident. They’re also more likely to be seriously injured in a collision. Drivers with few insurance claims, retirees, and stay-at-home motorists can save money with the
best seniors’ car insurance
companies.

card cover
Cory (87 years old)
coverageCoverage
State Minimum
carDodge Journey SE
$86
per month
card cover
Mark (68 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carDodge Grand Caravan SE
$111
per month
card cover
Melvin (70 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carDodge Grand Caravan GT
$223
per month
card cover
Arthur (65 years old)
coverageCoverage
State Minimum
carDodge Grand Caravan SE
$66
per month
card cover
Stephen (72 years old)
coverageCoverage
State Minimum
carDodge Charger SXT
$285
per month

Dodge insurance cost for drivers with driving violations 

A clean driving record will help you get the best auto insurance rates for your Dodge. Having committed any of the following within the past three to five years will result in a surcharge on your monthly insurance bill:
  • Speeding tickets
  • DUIs
  • At-fault accidents 
  • License suspensions or revocations
  • Reckless driving
Despite this, even high-risk drivers can find low rates with the right providers. Here are a few examples below.

Cheapest car insurance for Dodge drivers with speeding ticket

Speeding tickets can stay on your record for up to a decade. Whether it's a single ticket for serious speeding or multiple tickets for minor infractions, it adds up to a lot of money spent on high insurance premiums.
Jerry helped Dodge drivers with speeding tickets find the best rates among multiple providers.

Speeding TypeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
Speeding 1-5
Dodge Journey CrossroadSafeco
$170
• 30,000/60,000 Liability
• Comp / Collision
Speeding 6-10
Dodge Caliber UptownAllstate
$210
• 50,000/100,000 Liability
• Comp / Collision
Speeding 11-15
Dodge Charger SRT HellcatBristol West
$344
• State Minimum Liability
• Comp / Collision
Speeding 16-20
Dodge Durango LimitedState Auto
$181
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Nov 22, 2024

Car insurance for Dodge drivers with a DUI record

Expect to see a big change in your premiums after a
DUI conviction
. Finding a good deal is hard, but with the right car insurance quote comparison app, you can find providers willing to work with a high-risk driving history.

card cover
Ada (35 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carDodge Charger GT
$149
per month
card cover
Lura (42 years old)
DUI
coverageCoverage
State Minimum
locationRicetown, KY
carDodge Neon SXT
$237
per month
card cover
Francis (38 years old)
DUI
coverageCoverage
State Minimum
carDodge Durango Sport
$169
per month
card cover
Clearcover
Amelia (42 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationKansas City, MO
carDodge Charger SE
$169
per month
card cover
Barry (38 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carDodge Durango Citadel
$237
per month

Cheapest car insurance for Dodge drivers after an accident

High insurance rates tend to follow at-fault accidents and expensive insurance claims. Jerry helped Dodge drivers find savings with these providers after their at-fault accidents:

Accident typeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
At Fault With Injury
Dodge Grand Caravan GTProgressive
$215
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Dodge Caliber UptownAllstate
$210
• 50,000/100,000 Liability
• Comp / Collision
At Fault With Injury
Dodge Charger SETravelers
$128
• 50,000/100,000 Liability
• Comp / Collision
Not At Fault
Dodge Challenger SXTSafeco
$224
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Dodge ChargerState Auto
$178
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Nov 26, 2024

Cheapest car insurance for Dodge drivers with other driving violations on their record

A reckless driving offense, a license suspension, or a license revocation can also hurt your insurance premiums. Lower them in just a few minutes by signing up with Jerry, which helped Dodge drivers get a great deal with these companies:

ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Illegal Turn
Dodge RAM 2500 STProgressive
$287
• State Minimum Liability
Defective Equipment
Dodge Charger PoliceSafeco
$135
• State Minimum Liability
Failure to Stop
Dodge Avenger SXTAAA
$267
• 25,000/50,000 Liability
Wrong Way/Wrong Lane
Dodge Journey SETravelers
$211
• 50,000/100,000 Liability
• Comp / Collision
Cell Phone
Dodge Journey SXTBristol West
$276
• State Minimum Liability
Careless Driving
Dodge Journey SENational General
$78
• State Minimum Liability
Driving on Sus. License
Dodge Dart SXT
Clearcover
$241
• 50,000/100,000 Liability
• Comp / Collision
Failure to Yield
Dodge Journey R/TSafeco
$115
• State Minimum Liability
• Comp / Collision
Seat Belt
Dodge Journey SEPlymouth Rock
$226
• 15,000/30,000 Liability
• Comp / Collision
Improper Passing
Dodge Dart SXTInfinity
$266
• State Minimum Liability
coverageLast Updated Nov 26, 2024

How can I lower the cost of my Dodge car insurance?

Take it from Jerry's 100+ expert insurance agents: you can lower your car insurance rates with a few simple hacks. Find a deal by:
  • Buying a cheap model: Choose a model that's compact, economical to repair, and has high safety ratings if you're shopping for a Dodge. You can also save a few bucks by buying used.
  • Bundling your insurance products: Buying a
    car and home insurance bundle
    can save you money.
  • Installing a telematics device: Telematics devices track your driving location, distances, times, and habits. The more safely and infrequently you drive, the more likely you are to receive
    car insurance discounts
  • Reducing your coverage: You might want to
    drop full coverage
    if your car is worth less than ten times your premiums.

FAQs

Dodge Challengers are so expensive to insure because of their powerful engines, high-performance components, and specialty cosmetic elements. Any unique special edition parts are even harder to locate and more expensive. Since the Challenger is a speed-focused muscle car, insurance companies charge higher premiums in anticipation of high-risk driving.
As a pony car, Dodge Charger insurance is more expensive than that of your average family sedan. But as a domestic car model, it costs less to insure than a similar imported car model.
Yes, the Dodge Charger is a subspecies of sports car colloquially known as a pony or muscle car. These cars are renowned for their emphasis on performance and power over refinement.
On average, Dodge Charger car insurance costs $231 per month for full coverage and $110 per month for state minimum coverage.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

avatar
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
avatar
Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
Zhen: add this as a test, Anyone can delete me

Car MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
2010 Dodge Grand Caravan
$80
$150
2012 Dodge Grand Caravan
$80
$195
2021 Dodge Durango
$80
$200
2022 Dodge Charger
$80
$273
2010 Dodge Challenger
$80
$157