Dodge remains an extremely popular manufacturer in the U.S. to this day. Regardless of the model, owners of a Dodge vehicle need to be protected by the right coverage. A complete car insurance policy can help protect your vehicle from costs related to accidents, liability, and more.
An independent insurance agent can help you get set up with the right type of car insurance for your specific Dodge model and your needs. They'll ensure you get the right policy for you. But first, here's a breakdown of Dodge insurance, what it covers, and how much it costs.
Key Takeaways - Dodge Car Insurance
Dodge insurance costs an average of $1,956 per year, or approximately $163 per month, for full coverage.
Dodge insurance is an auto insurance policy that can include many different types of coverage, such as liability, collision, comprehensive, and medical payments.
Dodge auto insurance rates are slightly higher than the current national average cost of $1,759 per year, or approximately $147 per month.
The Dodge Charger is the most expensive model to insure of those we compared, costing an average of $2,754 per year, or approximately $230 per month, for full coverage.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Dodge model.
What Is Dodge Insurance?
Dodge insurance is just a type of car insurance policy that's designed to include custom coverage for Dodges. A Dodge car insurance policy can include many types of protection, such as for collisions, theft, liability, roadside assistance, medical payments, and more. The types of coverage you choose will determine how much protection your policy provides.
Recommended coverage options for Dodge drivers:
- Liability insurance: This covers the cost of lawsuits and other expenses resulting from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
Depending on your location, you may be required by law to have some of these types of coverage. Be sure to work with a local independent insurance agent to get set up with all the required Dodge insurance.
How Much Does Dodge Insurance Cost?
Dodge owners pay an average of $1,956 per year, or approximately $163 per month, for full coverage car insurance. When compared to the current national average cost of car insurance, which is $1,759 annually, or approximately $147 per month, Dodge insurance rates are pretty comparable. These affordable insurance rates can be attributed to Dodge's safety scores, lower theft rates, and less expensive custom parts and repairs compared to many other vehicles.
Dodge Insurance Costs by Popular Models
The vehicle's make and model are major factors that influence the cost of a car insurance policy. So, your car insurance might cost a lot more or less depending on the model you own. We've compared a handful of popular Dodge models and their average car insurance rates to provide a better picture.
| Model | Average Annual Car Insurance Cost | Average Monthly Car Insurance Cost |
|---|---|---|
| Dodge Nitro | $1,434 | $120 |
| Dodge Grand Caravan | $1,622 | $135 |
| Dodge Journey | $1,628 | $136 |
| Dodge Dart | $1,700 | $142 |
| Dodge Durango | $1,992 | $166 |
| Dodge Hornet | $2,252 | $188 |
| Dodge Challenger | $2,402 | $200 |
| Dodge Charger | $2,754 | $230 |
No matter which model of Dodge you drive, an independent insurance agent in your area can help you find affordable car insurance near you.
Is Dodge Expensive to Insure Compared to Other Brands?
No, Dodge car insurance rates are about average when compared to other brands. However, average costs are slightly higher, but not considerably more so, than the current national average car insurance premiums overall. Car insurance rates for Dodges vary depending on the specific model you need coverage for.
What Other Factors Affect Dodge Car Insurance Costs?
Premium rates for car insurance depend on more than a vehicle's make and model. Aside from those factors, car insurance rates are also influenced by:
- Driver history
- Driver credit score (where allowed)
- Coverage levels selected
- Deductible amount selected
- Location
- Claims history
Not only that, but the insurance company you choose also factors into your car insurance rates. However, you can possibly score a discount if you bundle your auto insurance with another product, such as home insurance, through the same carrier. An independent insurance agent can also help you find the best car insurance rates in your area.
Add-On Protections Worth Considering for Your Dodge
You want to protect your Dodge with the right coverage. It can be worth considering adding these extra types of protection to your Dodge car insurance policy:
- New car replacement coverage: This can cover the cost of replacing your Dodge with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Gap insurance: If you own a new or financed Dodge, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- OEM parts coverage: This coverage can pay the full cost to replace your vehicle's parts with genuine Dodge parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- Dodge warranty insurance: This coverage can extend Dodge's manufacturer warranty to help pay for the cost of future routine maintenance and repairs, where available.
An independent insurance agent can help you find the right types of Dodge auto insurance coverage to complete your car insurance policy.
Best Car Insurance Companies for Dodge Owners
It's helpful to know which car insurance companies offer reputable coverage and great rates before you start shopping for your policy. Here are our top recommendations for the best Dodge insurance companies.
| Car Insurance Company | Average Monthly Full Coverage Premium | Average Monthly Minimum Coverage Premium |
|---|---|---|
| Erie Insurance | $130 | $45 |
| Auto-Owners | $137 | $53 |
| Nationwide | $138 | $52 |
| Travelers | $148 | $58 |
| Allstate | $155 | $60 |
| The Hartford | $158 | $62 |
| Liberty Mutual | $160 | $65 |
How to Lower Your Dodge Insurance Premiums
Dodge tends to have affordable insurance rates to begin with, but many drivers would still prefer to save as much money as possible on their coverage. Fortunately, there are some easy ways you can reduce the cost of your premiums, such as:
- Maintain a clean driving record: Keeping your record free of accidents, tickets, and other traffic violations can help you earn good driver discounts and even lower your premium rates.
- Choose a higher deductible: Setting a high deductible can lead to lower premiums, but keep in mind that you'll have to pay more out of your own pocket if you file a claim.
- Enroll in telematics programs: Dodge itself or your insurance company may offer telematics programs, such as those that track your driving habits or vehicle usage, to help potentially reduce your insurance rates.
- Take advantage of Dodge insurance discounts: Many luxury auto insurance companies offer common savings options, such as multi-policy discounts, safety features discounts, anti-theft devices discounts, loyalty discounts, and bundling discounts, which can help you save quite a bit on your coverage.
- Compare quotes from multiple carriers: Shopping and comparing policies from multiple car insurance companies can help you find the most affordable Dodge insurance coverage. A local independent insurance agent can complete this task for you.
- Work with an independent insurance agent: These agents can access several different carriers near you to help find the best and most affordable insurance for your Dodge.
Your independent insurance agent can help you find cheap Dodge insurance and add any car insurance discounts you qualify for to increase your overall savings as much as possible.
An Independent Insurance Agent Can Help You Get the Best Dodge Insurance Quotes
When it's time to find the most affordable, quality Dodge insurance, no one's better equipped to help than a local independent insurance agent. These agents know where to find the best Dodge insurance coverage and rates, and can shop and compare quotes and policy options from several carriers for you.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Dodge Insurance
Is Dodge insurance more expensive than other brands?
Slightly. Dodge's average annual car insurance rates of $1,956 per year are only slightly higher than the current national average of $1,759 per year.
What's the most expensive model of Dodge to insure?
Our research found that the Dodge Charger is the most expensive model to insure of those we compared, at an average of $2,754 per year or approximately $230 per month.
What's the cheapest model of Dodge to insure?
Our research found that the Dodge Nitro is the cheapest model to insure of those we compared, at an average of $1,434 per year or approximately $120 per month.
Does insurance cover Dodge performance upgrades?
It might. Ask your independent insurance agent to review your car insurance policy to determine if Dodge performance upgrades are covered.
How does age affect Dodge insurance rates?
Typically, younger drivers (under age 25) pay considerably more for Dodge car insurance than middle-aged drivers. Car insurance rates get more expensive again once a driver becomes a senior.
Sources
https://www.thezebra.com/auto-insurance/vehicles/dodge/
https://www.thezebra.com/auto-insurance/how-to-shop/average-auto-insurance/
https://www.quote.com/auto-insurance/best-auto-insurance-for-dodges/