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Jerry Data & Research
Cheapest 2005 Dodge Magnum Car Insurance (Apr 2024)
Cheapest 2005 Dodge Magnum Car Insurance (Apr 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your 2005 Dodge Magnum
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Bonnie Stinson
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor
What's on this page?
- How much does car insurance cost for a 2005 Dodge Magnum?
- Compare the cheapest 2005 Dodge Magnum car insurance quotes
- The best car insurance companies for 2005 Dodge Magnum owners
- How expensive is 2005 Dodge Magnum insurance compared to other years?
- Are 2005 Dodge Magnums expensive to insure?
- Methodology
- Meet our experts
Load full table of contents
How much does car insurance cost for a 2005 Dodge Magnum?
$992 is the
average annual cost of car insurance
for a 2005 Dodge Magnum R/T. This works out to about $83 per month for basic coverage that meets state minimum requirements. Drivers who own a Magnum SE or SXT trim can expect to pay a bit more for auto insurance, between $109 per month and $144 per month for minimum coverage.
Trim, make, and model all have an impact on car insurance rates. Each configuration has a unique risk profile due to its safety features and replacement costs.
Jerry
can pull custom quotes for your Dodge Magnum so you can compare rates and get the best deal on your preferred insurance policy.Compare the cheapest 2005 Dodge Magnum car insurance quotes
Shopping around is the easiest way to find the lowest rate. Every company has its own formula for calculating premiums, and the formulas change all the time.
Dodge Magnum drivers can use Jerry to compare quotes from multiple companies and save money. Here are some cheap car insurance rates that real 2005 Dodge Magnum drivers found with Jerry.
| Date | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
April 26, 2024 | Allstate | $84 | Fred, 41 | • 50,000/100,000 Liability • Comp / Collision | |
April 24, 2024 | Mercury | $98 | Brandon, 26 | • State Minimum Liability | |
April 24, 2024 | Safeco | $92 | Mark, 27 | • State Minimum Liability | |
April 22, 2024 | Travelers | $100 | Austin, 28 | • 100,000/300,000 Liability | |
April 15, 2024 | Progressive | $111 | Linnie, 26 Salina, UT | • State Minimum Liability |
Last Updated Apr 26, 2024Overpaying for coverage is totally unnecessary—but you do have to pull quotes and compare rates to see what’s out there. Enter your details into the Jerry app and the free quotes will tell you in an instant if you could be saving money on your Magnum premium.
The best car insurance companies for 2005 Dodge Magnum owners
In a recent survey, Safeco, Travelers, and Progressive earned top marks from Dodge Magnum drivers.
But it’s key to understand that there is no “best” company for every single Magnum driver. Price is important, but so are customer service and claims handling.
Additionally, every company has its own formula. A Dodge Magnum driver in Tucson may get a better rate with one company, whereas another Magnum driver in Nashville gets lower prices elsewhere.
Whatever criteria matter most to you, this survey can help you pick the right company for insuring your 2005 Dodge Magnum. Check out these results from real policyholders.
| Insurance Company | Overall Rating | Price | Claims Experience | Customer 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 |
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.
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.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average 2005 Dodge Magnum insurance costs
A recent national survey shows that $83 per month is the average expense for 2005 Dodge Magnum drivers with the base R/T trim. That works out to $992 per year for
minimum coverage
.While minimum coverage does allow you to legally get behind the wheel, in most states it’s
basic liability coverage
. This only protects your bank account if you have to pay out after injuring another driver—liability insurance doesn’t offer any protection for you or your vehicle.Check out these rates.
| Insurance Coverage | Average insurance cost (monthly) | Average insurance cost (yearly) |
|---|---|---|
State minimum coverage | $78 | $936 |
Full coverage | $160 | $1,920 |
In some states, drivers are required to carry
personal injury protection (PIP)
and uninsured/underinsured motorist coverage
as well. These coverages offer some degree of protection, but full coverage is the gold standard. Full coverage is more expensive but it’s the only way to get protection for you and your vehicle.
Full coverage car insurance
for a 2005 Dodge Magnum includes;- Collision coverage(for collision-related damage like a crash)
- Comprehensive coverage(for non-collision damage like wind storms and theft)
Compare insurance information for other Dodges
2005 Dodge Magnum insurance costs by trim level
Higher trim levels usually come with fancier features—and so they cost more to repair and insure. The 2005 Dodge Magnum has three trim levels: the R/T, the SE, and the top tier SXT.
For the average Magnum driver, insurance costs will vary by about $60 per month between the base and top trim levels based purely on trim level. Check it out.
| Car Model & Trim | Average full coverage insurance cost | Average minimum coverage insurance cost |
|---|---|---|
2005 R/T | $102 | $61 |
2005 SXT | $175 | $92 |
You may be able to add aftermarket security features to help lower the overall cost of insurance if your trim level doesn’t include them.
How expensive is 2005 Dodge Magnum insurance compared to other years?
The cost of insurance for a 2005 vs. a 2004 or 2008 Dodge Magnum is not highly significant.
It’s a tricky balance: new cars tend to have better safety features like cutting-edge airbags, but they also cost more to repair and replace. Older models can be less costly to repair but they may not have the best safety ratings.
The Magnum was discontinued after only four years, after all, and technology didn’t change that much in this period. However, newer models with higher trim levels (like a 2008 SXT) usually trigger the highest premiums.
Finally, be aware that insurers usually give an automatic discount for vehicles less than three years old. Your 2005 Magnum fits into this category with room to spare!
Check out the price differences for insurance based on model year for the Dodge Magnum
| Car | Minimum Coverage | Full Coverage |
|---|---|---|
2005 Dodge Magnum | $78 | $160 |
2006 Dodge Magnum | $98 | $165 |
2007 Dodge Magnum | $106 | $212 |
2008 Dodge Magnum | $72 | $205 |
Compare car insurance by car year
Compare car insurance by car year
Are 2005 Dodge Magnums expensive to insure?
The average cost of car insurance for a 2005 Dodge Magnum is $83 per month for basic coverage.
How does the cost compare to other models in a similar price range and vehicle type, like a Chrysler, Dodge RAM, Dodge Charger, Dodge Dakota, or Durango?
Let’s see how the 2005 Dodge Magnum fares. These are real rates from policyholders in a recent Jerry survey.
| Model | Avg. Minimal Coverage Insurance Cost | Avg. Full Coverage Insurance Cost |
|---|---|---|
2005 Dodge Magnum | $78 | $160 |
2005 GMC Sierra 1500 | $82 | $121 |
2005 Acura RSX | $95 | $212 |
2005 Volvo XC90 | $100 | $232 |
2005 Lexus IS | $109 | $201 |
Overall, Dodge Magnums are more expensive to insure than the average car. This vehicle’s MSRP, actual cash value, size of the engine, safety reputation, and age mean bump up the premium above the average.
You can check Kelley Blue Book to get a quick picture of how different makes and models might affect insurance prices.
But there are a lot of factors at play when it comes to setting a rate—far more than just your make and model. Average rates can’t easily capture what you yourself might pay for coverage.
What other factors affect 2005 Dodge Magnum insurance rates?
Your zip code, your age, and your driving record are major factors that affect your rate.
Here’s a list of the key items that car insurance companies consider when generating quotes:
- Where you keep your car: Your state, city, and zip code are associated with a specific risk profile. Areas with more accidents, theft, and extreme weather will be charged more. Parking your car in a garage versus on the street can affect your rate, too.
- Your age: Drivers below 25 and over 75 pay the highest rates for coverage, no matter where they live or which car they drive. This is true for basically all insurance companies.
- Your driving record and claims history: If you have a record full of traffic violations and you’ve filed multiple claims, that’s a red flag for future risk. Insurance companies charge higher insurance premiums to cover people with bad records.
- The kind of car you have: If you opt for collision and comprehensive insurance coverage, expect to spend more if your vehicle is a sport, luxury, or high-performance car.
Insurance algorithms are highly complex, so there are plenty of features we didn’t mention here. Just know that some you can’t control (like where you live) but others are well within your ability to influence (like credit score and driving record).
2005 Dodge Magnum insurance costs for young drivers
Steep rates follow young drivers until they reach the age of 25—and the Dodge Magnum is a popular choice among such drivers.
Unfortunately, youthful Magnum owners (especially
teen drivers
) can expect to pay elevated rates because they’re at higher risk of accidents and violations. 
2005 Dodge Magnum insurance costs for senior drivers
Experienced drivers enjoy more affordable rates due to their years on the road and relatively low risk profile. However, this goes away around age 75 once the likelihood of driver error and serious injury increases.
Senior car insurance
for 2005 Dodge Magnum drivers might be more affordable than you think. Here’s an example.2005 Dodge Magnum insurance cost for drivers with driving violations
No matter which car you’re driving, violations are a serious red flag to insurance companies. If you and your Magnum have been involved in a serious situation that results in a conviction—like a DUI or an at-fault accident—you’re almost guaranteed a steep rate.
The good news is that these sky-high rates can settle again after a few years. But it depends on the state and the severity of the violation.
Magnum drivers with violations have found insurance through Jerry. See below.
| Violation | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
Improper Passing | Progressive | $115 | Stanley, 28 | • State Minimum Liability |
Last Updated Apr 26, 2024How can I lower the cost of insurance for my 2005 Dodge Magnum?
You can compare quotes and qualify for discounts to lower your 2005 Dodge Magnum’s insurance rates. If you’ve been with the same provider since you bought it at a dealership in 2005, it might be time to consider a switch!
Try one of these clever strategies to cut the cost of your Magnum’s monthly premium:
- Bundle multiple policies: If you carry home, renters, or life insurance with the same company that holds your auto policy, you could unlock a hefty discount! It’s usually about 15%.
- Enroll in a usage-based insurance program: Almost every major insurance provider offers usage-based programs that allow drivers to track their driving habits in real-time in exchange for potential discounts. Telematics programs often come with discounts simply for enrolling.
- Raise your deductible: If you have full coverage and you can afford to cover a higher payment out of pocket, raising your deductible can lower your monthly auto insurance rates.
- Check for discounts: You may be able to save money for completing a defensive driving course, going accident-free for several years, or installing an aftermarket security system. Ask your insurance agent what’s available.
- Compare at least three quotes: Experts say you should compare rates every six months, just to see what’s out there. Rates change so frequently that shopping around is the only way to know for sure, and Jerry is the fastest free way to do research with no obligation to switch.
Some providers will offer better rates for a Dodge Magnum. But you shouldn’t sign up with GEICO or State Farm until you pull quotes based on your unique driving history. That’s the only way to know for sure which company offers the best rate for you.
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
Bonnie Stinson
Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs.
Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.
Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
Josh Damico
Head Of Insurance Operations
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.
