Car insurance for Dodges

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Car insurance is legally required in almost every state, which protects your liabilities as a driver in the event that you cause an accident. Car insurance rates are determined by a number of personal factors, but one of the biggest is the make and model of the car you drive.

Not only are certain vehicle types cheaper to insure than others, but every insurance company charges a different rate for the same makes and models. If you own a Dodge, the average cost of car insurance is going to vary greatly based on the provider you choose.

Car insurance for Dodge: by model

Dodge Car Insurance Average annual full coverage premium
Dodge Challenger $2,074
Dodge Charger $2,077
Dodge Durango $1,623
Dodge Grand Caravan $1,604
Dodge Journey $1,708

Cheapest car insurance companies for Dodge Challenger

The Dodge Challenger was first released in 1970. Today, the car retails for around $28,000 and is one of the most expensive Dodge vehicles to insure. The average annual cost of insurance for a Dodge Challenger is $2,074. The table below includes the average cost of Dodge Challenger insurance from some of the best car insurance companies on the market:

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $348 $1,387
Geico $398 $1,873
State Farm $485 $1,715
Erie $430 $1,550
Amica $345 $1,467

Cheapest car insurance companies for Dodge Charger

The average Dodge Charger insurance costs are similar to the average rates for the Dodge Challenger at $2,077 per year. The Charger also has a similar starting MSRP, at roughly $30,000. The table below includes the cheapest average premiums for Dodge Charger insurance from highly-rated car insurance companies:

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $355 $1,369
Geico $382 $1,800
State Farm $496 $1,752
Erie $430 $1,477
Amica $345 $1,550

Cheapest car insurance companies for Dodge Durango

The Dodge Durango is Dodge’s most expensive model, with a starting price of just under $32,000. However, car insurance for a Dodge Durango is more affordable than some pricier Dodge models, like the Challenger. Durango insurance is an average of $1,623 a year and ranges from $1,199 to $1,453 for a full coverage policy from the providers listed below:

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $377 $1,199
Geico $405 $1,344
State Farm $467 $1,453
Erie $430 $1,276
Amica $379 $1,270

Cheapest car insurance companies for Dodge Grand Caravan

The Dodge Grand Caravan is the company’s minivan model, which starts at $27,530. Full coverage car insurance on a Grand Caravan will range anywhere from $1,162 to $1,430 for the top providers listed below, which is lower than the average annual premium of $1,604.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $358 $1,162
Geico $365 $1,266
State Farm $467 $1,430
Erie $430 $1,335
Amica $367 $1,317

Cheapest car insurance companies for Dodge Journey

Insuring a Dodge Journey is pretty affordable, with an average annual premium of $1,708. The full coverage insurance rates range from $1,138 on the low end to $1,565 on the high-end with the providers listed below. Keep in mind that if you choose the higher-end model, the Dodge Journey Crossroad, you might pay more.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $375 $1,138
Geico $396 $1,359
State Farm $505 $1,565
Erie $430 $1,408
Amica $345 $1,378

Other car insurance coverage for Dodge

Every Dodge owner must meet their state’s minimum car insurance coverage requirements, which typically include liability insurance and sometimes personal injury protection (PIP) or uninsured/underinsured motorist coverage. However, most people can benefit from purchasing more coverage than what is legally required.

Insurance companies often recommend that drivers upgrade to a full coverage policy, which includes collision and comprehensive insurance that will repair your vehicle in the event of an accident or other covered claim. If you lease or finance your Dodge, you will likely have to carry comprehensive and collision coverage. If your vehicle is a newer model, you may want to consider purchasing gap insurance too, which will help pay the difference between your car’s diminished value and your remaining loan balance if your car gets totaled.

Other coverages to consider are roadside assistance, which pays for services like towing, delivering a battery replacement and fuel delivery, as well as rental reimbursement, which will help cover a rental car if your Dodge is being repaired from a covered claim. If you are considering minimum coverage for cheap car insurance, keep in mind that damages to your vehicle from an at-fault accident will not be covered and you could be at risk of paying out of pocket from an at-fault accident.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers commute five days a week, drive 12,000 miles annually and were evaluated using the following cars:

  • 2019 Dodge Challenger
  • 2019 Dodge Charger
  • 2019 Dodge Durango
  • 2019 Dodge Grand Caravan
  • 2019 Dodge Journey

These are sample rates and should only be used for comparative purposes.