Best Dodge Car Insurance Rates in 2024

Dodge is one of America’s most popular brands and frequently tops the list of best-selling vehicles. From pickup trucks that can get the job done to sports cars offering a high-performance ride, it’s not hard to see why Dodge is so popular.

Drivers have to pay a little more for their car insurance when they buy a Dodge. However, the amount you pay depends on the model you buy. For example, you’ll pay a lot less for Dodge minivan insurance than you would for a sports car.

Read on to learn more about Dodge car insurance rates and how to keep your costs down. Then compare rates with as many companies as possible to find the best policy for your Dodge.

How to Determine Dodge Car Insurance Rates

When you need Dodge insurance, companies will look at several factors that affect car insurance rates. These factors include:

• Your car: The type of Dodge you drive plays a big role in your rates. For example, older, less valuable Dodges are usually cheaper to insure.
• Age and gender: Young drivers and men pay more for car insurance than other drivers because they file more claims and get into more accidents.
• Location: The state you live in will significantly affect your car insurance rates. Some states have higher rates due to local laws, weather risks, or increased risk of car theft.
• Driving history: You’ll pay more for car insurance if you have incidents in your driving record, like speeding tickets or at-fault accidents.
• Marital status: Insurance rates are higher for singles versus married couples because they file more claims than their married counterparts. So, widowed and divorced people usually pay a little more for insurance.
• Credit score: Car insurance companies can use your credit score to determine your rates unless you live in Hawaii, Massachusetts, or California. Drivers with lower credit scores pay more for insurance.

A final consideration for your insurance rates is how much coverage you want to buy. Minimum liability insurance costs less but doesn’t protect your car. It’s ideal for people with older, less valuable cars.

If you have a newer or more valuable car, you should probably spend the extra money on full coverage car insurance.

Compare Dodge Car Insurance Costs

The average Dodge driver pays about $158 a month for car insurance, which is a bit higher than the national average. However, there is significant variation between Dodge models — there’s more than an $80 difference between Dodge’s least and most expensive models. Some Dodge models have much costlier insurance than others.

For instance, the Grand Caravan and Journey — Dodge’s minivan and SUV — have some of the cheapest insurance rates because they’re family-friendly, affordable vehicles. Read our expert guides to compare Dodge Journey car insurance rates and Grand Caravan car insurance prices.

On the other hand, the Viper costs much more to insure. This expensive two-seat sports car is one of Dodge’s most expensive models.

Explore the Best Deals: Compare Dodge Car Insurance Rates by Model

Easily compare car insurance rates for various Dodge models including Avenger, Durango, Caliber, Grand Caravan, Challenger, Journey, Charger, Magnum, Dakota, and Ram 3500. Start now to find the best rates for your Dodge!

Types of Dodge Car Insurance You Should Buy

Whether you have a used Dodge or a brand-new model, you’ll have the opportunity to buy the same basic types of car insurance. However, many Dodge drivers rely on their vehicles for work, so picking the right coverage is crucial.

Before you decide how much car insurance you need for your Dodge, you should understand what each type does. The basic types of car insurance include the following:

• Liability: Required by most states, liability car insurance offers vital financial protection for you. It pays for repairs and injuries you cause to other people in an at-fault accident.
• Collision: Liability insurance does not cover repairs to your car. If you want your policy to cover your repairs, you need collision car insurance.
• Medical payments/personal injury protection: You’ll need either medical payments or personal injury protection insurance for your medical bills after an at-fault accident. Depending on your coverage, your insurance might cover you when you’re a passenger in someone else’s car.
• Uninsured/underinsured motorist: If a driver without coverage hits you, uninsured motorist insurance will pay for your repairs. It also makes up the difference if the other driver doesn’t have enough insurance.
• Comprehensive: Comprehensive car insurance covers life’s unexpected events, like fires, floods, natural disasters, and animal contact. It also covers you if you’re the victim of theft or vandalism.

The amount of insurance you need for your Dodge depends on your vehicle. Older, less-valuable Dodge owners can probably get away with buying the minimum insurance required in their state. Laws vary by state, but most require liability insurance. Other commonly required insurance types are uninsured motorist and personal injury protection coverage.

You’ll probably need full coverage if you have a car loan or lease or your Dodge is newer and high-value. Full coverage includes everything listed above and offers much better protection for your car. It’s a good idea to buy full coverage if you can’t afford to replace your car if it’s totaled.

Money-Saving Tips for Dodge Auto Insurance

Dodge average insurance rates tend to match the national average, so many drivers think there’s nothing left to save. However, there are ways to save on your Dodge insurance.

Try the following money-saving techniques to find the lowest possible Dodge rates:

• Look for discounts. One of the most important ways to save money is to find car insurance discounts you qualify for. Insurance companies offer discounts for a variety of things, including being a good student and bundling insurance policies.
• Reduce your coverage. Depending on your Dodge, lowering your coverage might be a good way to save on your insurance. However, you should skip this method if you don’t own your car outright.
• Raise your deductible. Increasing your car insurance deductible is a great way to lower your monthly rates. Be cautious, though – you’ll have to pay more from your own pocket with a higher deductible.
• Keep your car safe. New Dodges often come with safety features preinstalled, which helps keep your insurance rates low. You can also lower your car insurance rates by keeping your Dodge in a safe spot every night. Find safety features car insurance discounts.
• Consider telematics. Telematics or usage-based car insurance uses a tracking device to monitor your habits. Depending on the company, safe drivers can save up to 40% on their insurance.
• Be a safe driver. Car insurance companies check driving records and reward drivers who avoid adding violations to their records. If you get a citation, avoid adding additional infractions, as your rates will skyrocket.

Like any other brand of cars, it’s important to compare Dodge car insurance rates. Comparing quotes from as many companies as possible is the best way to ensure you’re not overpaying for car insurance.

Find the Best Dodge Car Insurance Today

Unlike other brands, there is significant variation between Dodge models. Drivers looking for a reliable minivan or SUV will pay much less for their Dodge insurance than those who want a sports or muscle car.

Insurance for models like the Charger and Viper is much more expensive than other models, but there are ways to save.

One of the best ways to save on your Dodge insurance is to compare car insurance quotes with as many companies as possible. If you sign up for the first policy you look at, you’ll probably overpay for your insurance.