Car insurance for Dodges

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Whether you are a current Dodge owner or look to purchase one in the future, understanding how the cost of car insurance for Dodges varies from model to model can help make a better financial decision. The average cost of car insurance is $1,674 per year for full coverage, according to Bankrate’s 2021 study of premiums. However, the cost of Dodge insurance may be more or less, depending on the make and model, plus personal driver factors.

Bankrate reviewed several models within the Dodge lineup to compare the cost of insuring one model versus another. All models are available in 2021, except for the Dodge Journey, which stopped production in 2020.

Models included in this review:

  • Dodge Challenger
  • Dodge Charger
  • Dodge Durango
  • Dodge Grand Caravan
  • Dodge Journey
  • Dodge Ram 1500

How much does it cost to insure a Dodge?

The average cost of car insurance is $1,674 per year for full coverage, as shown in up-to-date premium data from Quadrant Information Services. The annual cost includes comprehensive and collision coverage. One of the largest factors contributing to the overall cost of premiums is the make and model of the vehicle you are insuring. Insurance providers may rate each make and model differently, which is why rates vary from one carrier to another. Other factors that impact the rates for auto insurance for Dodges include:

  • Crash rate stats per make/model – The crash ratings vary from one Dodge model to another, with the Dodge Ram 1500 selected as a Top Safety Pick, while others receive average marks from the Insurance Institute for Highway Safety (IIHS).
  • Price of parts – Since Dodge vehicles are made and assembled throughout North America, the price of parts may be less expensive overall. When parts are less expensive, it contributes to lower insurance costs since replacement would likely be less.
  • Safety features – The Dodge lineup offers a range of safety features, including blind-spot warnings and crash prevention features, such as forward collision and crash imminent braking.

Car insurance for a Dodge: by model

If you are comparing a few models of Dodge vehicles, it may be helpful to review how the Dodge insurance costs compare between the different models. Keep in mind when reviewing average rates that the cost of car insurance for Dodges will depend greatly on your unique needs and personal factors, such as driving history and claim history.

Car insurance for Dodge Challenger

The Dodge Challenger will likely be more expensive to insure based on the sports car designation and the average safety ratings. With the cost of full coverage for the vehicle averaging $2,074 per year, it is well above the national average of $1,674 per year.

Dodge Challenger car insurance Average annual premium
Minimum coverage $535
Full coverage $2,074

Car insurance for Dodge Charger

The Dodge Charger is another vehicle in the Dodge family that could be classified as a sports car if you purchase the 2-door version. Choosing the 4-door sedan version can impact the cost of average annual premiums too. The 4-door sedan receives average safety ratings, which contribute to the overall cost.

Dodge Charger car insurance Average annual premium
Minimum coverage $537
Full coverage $2,077

Car insurance for Dodge Durango

The Dodge Durango receives a four-star rating from the National Highway Traffic Safety Administration (NHTSA), which could contribute to the lower average full coverage annual premiums. Safety features such as the crash imminent braking, which automatically slows the vehicle down to avoid a crash, likely contribute to the lower insurance costs.

Dodge Durango car insurance Average annual premium
Minimum coverage $522
Full coverage $1,623

Car insurance for Dodge Grand Caravan

The popular minivan from the Dodge lineup offers average annual insurance costs lower than the natural average, Dodge Challenger and Dodge Charger. Safety features such as side air bags and a blind-spot monitoring system highlight the overall safety of the minivan.

Dodge Grand Caravan car insurance Average annual premium
Minimum coverage $503
Full coverage $1,623

Car insurance for Dodge Journey

The SUV receives an overall four-star rating for safety from the NHTSA, but receives a full five-star rating for side crashes. This higher rating is likely partly due to the enhanced safety features, such as the curtain air bags, contributing to the overall insurance costs.

Dodge Journey car insurance Average annual premium
Minimum coverage $522
Full coverage $1,708

Car insurance for Dodge Ram 1500

The Dodge Ram 1500 is one of the best-selling trucks in the U.S. and is also a Top Safety Pick from the IIHS. The higher safety ratings could help keep the insurance costs more manageable for drivers.

Dodge Ram 1500 car insurance Average annual premium
Minimum coverage $527
Full coverage $1,697

Cheapest car insurance companies for Dodges

The table below illustrates how varied the cost of Dodge insurance can be from one insurance provider to the next and from one model to another. Although your exact rates may be higher or lower than these averages, some Dodge models are less expensive to insure on average than others. For example, the Dodge Grand Caravan is several hundred dollars less expensive each year on average versus the Dodge Charger.

Average annual premium for full coverage by model

Car insurance company Dodge Challenger Dodge Charger Dodge Durango Dodge Grand Caravan Dodge Journey Dodge Ram 1500
Amica $1,467 $1,550 $1,270 $1,317 $1,378 $1,328
Erie $1,550 $1,477 $1,276 $1,335 $1,408 $1,244
Geico $1,873 $1,800 $1,344 $1,266 $1,359 $1,382
State Farm $1,715 $1,752 $1,453 $1,430 $1,565 $1,574
USAA $1,387 $1,369 $1,199 $1,162 $1,138 $1,197

Dodge features that impact insurance costs

No matter which model of Dodge you choose, selecting one with higher safety ratings and a greater number of safety features could help keep the cost of car insurance for Dodges within your budget. Enhanced safety features might include options like the following:

  • Blind-spot monitoring: This warning system notifies the driver when another vehicle or object is in the driver’s blind spot when changing lanes.
  • Traction control: The all-speed traction control system available in some Dodge models, such as the Dodge Durango, provides greater stability and control for turns and helps prevent rollovers.
  • Forward collision warning: If a driver is too close to the vehicle in front of them, this system will warn the driver. If the driver does not react, Active Braking could kick in to stop the vehicle on its own.

Other car insurance coverage for a Dodge

Purchasing the minimum insurance coverage to meet state requirements may allow you to drive legally, but it could leave you without proper financial protection in case of an accident or emergency. In addition to minimums and increased liability limits, owners of Dodge vehicles may find optional coverage beneficial too. For example, roadside assistance can be convenient and valuable if you find your vehicle inoperable following a covered incident, such as needing an emergency tire change or battery replacement.

If you lease or finance a newer vehicle, not only will comprehensive and collision coverage most likely be required by the lender, but gap insurance is another option worth exploring. Gap coverage pays the “gap” between the amount you owe on a newer vehicle and the amount the insurance company will pay out if the vehicle is totaled in an accident. This helps you avoid a major out-of-pocket expense if you find yourself in a covered accident with extensive damages.

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 coverage that meets each state’s requirements. Our base profile drivers own a 2019 Dodge of the following model types, commute five days a week and drive 12,000 miles annually:

  • Dodge Challenger
  • Dodge Charger
  • Dodge Durango
  • Dodge Grand Caravan
  • Dodge Journey
  • Dodge Ram 1500

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

Written by
Sara Coleman
Insurance Contributor
Sara Coleman has three years of experience in writing for insurance domains such as Bankrate, The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability.
Edited by
Insurance Editor