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.

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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

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. Personal factors, like your age, gender and credit-based insurance score may also be used by insurers in some states to determine your personal rate for insurance.

Car insurance for Dodges by make and model

The particular Dodge model you choose will affect your insurance rates, as each model has a unique base rate with the insurance companies. The Dodge Charger and Challenger have the most expensive average rates for full and minimum coverage. If you are looking for the lowest rates, consider the Dodge Durango and Grand Caravan.

Model car insurance Average annual full coverage premium Average annual minimum coverage premium
Dodge Challenger $2,074 $535
Dodge Charger $2,077 $537
Dodge Durango $1,623 $522
Dodge Grand Caravan $1,623 $503
Dodge Journey $1,708 $522
Dodge Ram 1500 $1,697 $527

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 minimum car insurance requirements may allow you to drive legally, but it could leave you without proper financial protection in case of an accident or emergency. Each state requires different minimum coverage and liability limits for car insurance, whether it is for a Dodge Charger or Grand Caravan. 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.

Consider rental car reimbursement, which pays for a rental car (up to a certain amount) while your vehicle is in the shop for repairs after a covered accident. Even in states where PIP insurance and medical payments coverage are not required, these types of coverage may be valuable if you are injured in an 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 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.