Dodge drivers pay about $50 monthly for minimum coverage and $142 for full coverage. In our study, Dodge ranks 19th for minimum coverage and 18th for full coverage affordability among automakers. This places them in the middle of the pack, offering a balance of cost and coverage.
Dodge Car Insurance
Updated: June 18, 2025
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Key Takeaways
State Farm and GEICO offer the best and cheapest overall car insurance for Dodge vehicles with rates starting at $39 monthly.
Dodge auto insurance costs range from $454 to $1,945 annually for most drivers, but this can depend on various factors like age, model and coverage type chosen.
Dodge car insurance is generally more affordable than most top automotive brands, ranking 18th out of 23 automakers we studied for both minimum and full coverage.
How Much Is Dodge Insurance on Average?
Coverage Level | Average Monthly Rate | Average Annual Rate | Affordability Ranking (Out of 23) |
|---|---|---|---|
Minimum Coverage | $50 | $601 | 19th |
Full Coverage | $142 | $1,699 | 18th |
*Rates are for a 40-year-old driver with good credit and no driving violations insuring 2012 to 2022 models for models referenced on this page.
Dodge Car Insurance Cost by Model
The Dodge Charger tops the list as the priciest Dodge to insure, with average monthly costs of $58 for state minimum coverage and $141 for full coverage. The Dodge Grand Caravan is the most wallet-friendly option, averaging $52 monthly for state minimum coverage and $105 for full coverage.
| Dodge Grand Caravan | $621 | $1,259 |
| Dodge Challenger SRT Hellcat | $628 | $2,203 |
| Dodge Journey | $647 | $1,315 |
| Dodge Challenger R/T | $651 | $1,665 |
| Dodge Challenger | $690 | $1,816 |
| Dodge Charger | $697 | $1,614 |
*Rates are for a 40-year-old driver with good credit and no driving violations for model years ranging from 2012 to 2022.
Dodge Car Insurance Cost by Model Year
The pricier and newer your car is, the higher your insurance costs will be, and the opposite holds true for older, less expensive cars. Below, compare costs for your Dodge vehicle by model and year.
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Model Year:2020
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Dodge Model:Dodge Challenger
| Dodge Challenger | 2020 | $661 | $1,848 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Dodge Car Insurance Cost by Age
We found that costs for insuring a Dodge can range from $609 to $7,334 annually depending on your age, model, and coverage level. Teens often pay the most for car insurance, while costs generally decrease until you're around 60 years old. Afterward, insurance rates tend to rise slightly as you age. The table below illustrates how age affects Dodge insurance costs.
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Age:16
| 16 | $3,180 | $7,334 |
*Rates are for a driver with good credit and no driving violations.
Is Dodge Insurance Expensive?
Dodge vehicles ranked 19th in affordability for minimum coverage and 18th for full coverage. They may have more affordable repair costs due to lower-priced parts for some vehicles, like the Journey, and more expensive ones for models like the Charger. Additionally, Dodge drivers were among the least likely to have a driving incident in a LendingTree study on incidents by car brand, which can influence individual insurance premiums.
How Expensive Is Dodge Insurance Compared To Similar Vehicles?
We've compared rates for a 2024 Dodge Challenger to comparable cars regarding MSRP. We found that minimum coverage and full coverage rates can be up to 14% higher. In states like California, Hawaii, and Massachusetts, car insurance costs can't consider your age. So, whether you're young or old, your rates depend on your driving record, car type, and where you live.
Make and Model | Average MSRP | Annual Minimum Coverage Rate | Annual Full Coverage Rate |
|---|---|---|---|
$36,045 | $690 | $1,959 | |
$39,940 | $617 | $1,681 | |
$47,873 | $603 | $1,908 | |
$45,965 | $627 | $1,961 |
Cheapest Dodge Car Insurance Companies
The cheapest overall car insurance for Dodge vehicles is State Farm, with average monthly rates of $39 for minimum coverage and $112 for full coverage. Affordable options include GEICO, Nationwide, Travelers and Allstate, which also offer competitive rates for Dodge owners.
| State Farm | $39 | $112 |
| GEICO | $40 | $116 |
| Nationwide | $51 | $130 |
| Travelers | $48 | $134 |
| Allstate | $53 | $137 |
Cheapest Car Insurance by Model
While the above companies offer affordable rates, State Farm provides the cheapest car insurance for the Dodge Challenger, Charger, and Durango. Meanwhile, GEICO is the top choice for budget-friendly policies for the Dodge Journey and Grand Caravan.
| Dodge Challenger | State Farm | $41 | $124 |
| Dodge Challenger R/T | State Farm | $39 | $118 |
| Dodge Challenger SRT Hellcat | Nationwide | $45 | $154 |
| Dodge Charger | GEICO | $41 | $101 |
| Dodge Grand Caravan | State Farm | $36 | $85 |
| Dodge Journey | State Farm | $36 | $90 |
Cheapest Dodge Car Insurance by Model Year
Check out the table below for the most affordable Dodge car insurance options for your specific model and year.
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Model:Dodge Challenger
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Model Year:2016
| State Farm | $478 | $1,373 |
| GEICO | $497 | $1,441 |
| Allstate | $651 | $1,619 |
| Nationwide | $690 | $1,781 |
| Travelers | $677 | $1,953 |
Cheapest Dodge Car Insurance by Age
The lowest overall Dodge Insurance rates by age vary anywhere from $59 per month to $629 monthly, offered by State Farm. Below, you'll find the top five most affordable providers broken down by different ages for Dodge vehicles.
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Age:40
| State Farm | $519 | $1,346 |
| GEICO | $539 | $1,389 |
| Travelers | $644 | $1,612 |
| Nationwide | $718 | $1,565 |
| Allstate | $691 | $1,649 |
Best Car Insurance for Dodge Vehicles
From our research, we found that the best overall companies to insure your Dodge with are State Farm, GEICO, Travelers, Nationwide, and Allstate. Each company has a great mix of low rates, extensive coverage options, and good customer service reputations.
| State Farm | 90 |
| Nationwide | 87 |
| Travelers | 87 |
| GEICO | 86 |
| Progressive | 83 |
State Farm: Best for Most Dodge Drivers
pros
High customer satisfaction ratings
Lowest rates for most Dodge models
Extensive discounts for young drivers
cons
Lacking coverage add-on options for Dodge vehicles
COMPANY HIGHLIGHTS
For Dodge vehicles, State Farm stands out with the cheapest rates overall for their vehicles, with the lowest possible premiums for four out of six of the models we studied, regardless of driver profile. However, where the company stands out most is its higher-than-average customer service and claims satisfaction, ranking sixth overall for claims and within the top five for overall satisfaction in 42 out of 52 states (top three in 15 out of 50). They also offer particularly attractive discounts for drivers under 25, with reductions for students and a defensive driving program that can save you up to 20%.
Travelers: Best for Young Dodge Drivers
pros
Affordable rates for young drivers
Cheapest rates for Dodge Challenger Hellcat
Strong coverage and discount options
cons
Lower than average customer experience ratings.
COMPANY HIGHLIGHTS
While State Farm was the most affordable for most other Dodge models, Travelers stands out for Challenger Hellcat owners with the lowest rates in every category we studied. It also offers affordable options for young Dodge drivers. Out of all of the providers on our list, Travelers also offers an extensive discount selections with unique premium reductions for federal employees, military, and younger drivers that can save you up to 25%.
Nationwide: Best Car Insurance Coverage Options for Dodge Owners
pros
Offers a pay-per-mile program and unique add-on coverages
Low cost full coverage policies for Dodge vehicles
Highest-rated usage-based discount program in the country
cons
Expensive minimum coverage policies
Much lower than average customer satisfaction nationwide
COMPANY HIGHLIGHTS
While not the most affordable for minimum coverage policies, Nationwide frequently is within the top three most affordable full coverage car insurance policies for Dodge vehicles. Uniquely the company offers coverage options for a pay-per-mile car insurance program called SmartMiles and a vehicle value upgrade add-on that replaces your car with a new vehicle of comparable value if your car is totaled. The company also has the best customer satisfaction rating for their usage-based car insurance discount program SmartRide according to J.D. Power (tied for the largest possible discount in the nation of up to 40%)
How to Find the Best Cheap Car Insurance Company for Your Dodge
Discover how to secure affordable Dodge insurance easily.
- 1
Assess your needs
First, find the insurance coverage suitable for you, your comfort level with deductibles, and any optional coverages that could save costs in an accident. Use tools like our car insurance coverage needs calculator to receive tailored advice and explore your options.
- 2
Research average costs and discounts
Study the average insurance costs for your vehicle to understand savings better when evaluating various quotes. This helps you gauge whether you’re securing an advantageous deal.
- 3
Compare multiple providers
Obtain quotes from several insurance providers and ensure you’re comparing similar coverage, deductible levels, and limits. Evaluate company reputations, available discounts, and coverage features.
- 4
Consider Dodge's insurance program
When evaluating options, investigate Dodge's insurance program, which primarily uses driving behavior to calculate rates, similar to telematics programs. Many drivers have reported savings compared to traditional providers.
Dodge Auto Insurance Cost: Bottom Line
Dodge insurance costs rank 18th for full coverage and 19th for state minimum, indicating higher prices. Yet, affordable options exist. We advise comparing quotes to secure the best deal.
Dodge Car Insurance: FAQ
Below are MoneyGeek expert answers to frequently asked questions about Dodge car insurance.
Which insurance company is the cheapest for Dodge?
State Farm, GEICO, and Nationwide offer competitive rates for Dodge car insurance. State Farm is the most affordable.
How much is Dodge car insurance?
The average annual cost for Dodge full coverage car insurance is $1,699, with monthly expenses averaging around $142. For state minimum coverage, the annual rate is typically about $601, which breaks down to about $50 monthly.
Is car insurance on a Dodge more expensive?
Car insurance for a Dodge isn't significantly more expensive compared to other manufacturers; Dodge vehicles have both affordable models and more powerful, higher-priced models, such as performance cars.
Which Dodge model is the cheapest to insure?
The Dodge Grand Caravan is the cheapest Dodge model to insure, due to its lower overall value and more affordable repair costs.
How We Determined Dodge Auto Insurance Costs
We calculated Dodge insurance costs using data from Quadrant Information Services. Rates are based on the following driver profile:
- 40-years-old
- Good credit
- No driving violations
- 12,000 miles driven annually
Coverages used for minimum coverage are based on state requirements. Full coverage includes a 100/300/100 liability insurance split and comprehensive and collision coverage with a $1,000 deductible.
How We Chose Best and Cheapest Car Insurance for Dodges
To calculate the best car insurance for Dodge vehicles, MoneyGeek used a comprehensive scoring system based on five key factors:
- Customer satisfaction (35%): Measured using J.D. Power's study and the National Association of Insurance Commissioners (NAIC) complaint index
- Affordability (30%): Assessed by comparing rates from Quadrant Information Services
- Claims (20%): Evaluated through the J.D. Power Claims Study and CRASH Report Card
- Coverage (10%): Focused on roadside assistance, rental car reimbursement, OEM coverage and gap insurance
- Stability (5%): Determined by AM Best ratings on financial health
Data Sources
- AM Best: Financial strength ratings for insurers
- J.D. Power: Industry research and analytics
- NAIC: Consumer complaint and insurance data
- Quadrant Information Services: Car insurance pricing and comparative data
Analysis
MoneyGeek reviewed 80,676 quotes from seven companies using a standard driver profile (male, 40 years old, single, clean record) while adjusting for age, location and driving history.
Coverage Levels and Deductibles
- Minimum coverage: Covers damage to other's property
- Full coverage: Includes comprehensive (e.g., fire, weather) and collision (e.g., accidents) insurance
- Deductibles: Out-of-pocket costs before insurance payment starts
The term 100/300/100 means:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
Learn more about MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- LendingTree. "Tesla, Ram, Subaru Have Worst Drivers, While Mercury, Pontiac, Cadillac Have Best." Accessed June 18, 2025.