Auto Insurance For Dodges | The bank rate

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Whether you are a current Dodge owner or are planning to purchase one in the future, understanding how the cost of auto insurance for Dodge varies from model to model can help you make the best of it. financial decision. The average cost of auto insurance is $ 1,674 per year for full coverage, according to Bankrate’s 2021 premium study. However, the cost of Dodge insurance can be higher or lower, depending on the brand. and the model, as well as the personal factors of the driver.

Bankrate looked at several models in the Dodge lineup to compare the cost of insuring one model against another. All models are available in 2021, with the exception of the Dodge Journey, which ceased 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 insurance for a Dodge cost?

The average cost of auto insurance is $ 1,674 per year for full coverage, as shown by up-to-date premium data from Quadrant Information Services. The annual cost includes full coverage and collision coverage. One of the main factors contributing to the overall cost of premiums is the make and model of the vehicle you are insuring. Insurers may rate each make and model differently, which is why rates vary from insurer to insurer. Other factors affecting auto insurance rates for Dodges include:

  • Accident rate statistics by make / model – Crash ratings vary from Dodge model to model, with the Dodge Ram 1500 selected as the top safety pick, while others receive average ratings from the Insurance Institute for Highway Safety (IIHS).
  • Parts prices – Since Dodge vehicles are manufactured and assembled throughout North America, parts prices may be lower overall. When parts are cheaper, it helps reduce insurance costs since replacement would likely be less.
  • Safety devices – The Dodge lineup offers a range of safety features, including blind spot warnings and collision prevention features, such as forward collisions and impending braking in the event of a collision.

Auto insurance for a Dodge: by model

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

Auto insurance for Dodge Challenger

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

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

Auto insurance for Dodge Charger

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

Dodge Charger Auto Insurance Average annual premium
Minimum coverage $ 537
Full coverage $ 2,077

Auto insurance for Dodge Durango

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

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

Auto insurance for Dodge Grand Caravan

The popular Dodge line-up minivan offers average annual insurance costs below the natural average, Dodge Challenger and Dodge Charger. Safety features such as side air bags and a blind spot monitoring system underline the overall safety of the van.

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

Auto insurance for Dodge Journey

The SUV receives an overall four-star safety rating from the NHTSA, but receives a full five-star side crash rating. This higher rating is likely due in part to improved safety features, such as curtain airbags, which contribute to overall insurance costs.

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

Auto insurance for Dodge Ram 1500

The Dodge Ram 1500 is one of the best-selling trucks in the United States and is also one of the IIHS top safety picks. Higher safety ratings could help keep insurance costs more manageable for drivers.

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

The cheapest auto insurance companies for Dodge

The table below illustrates how the cost of Dodge insurance can vary from insurer to insurer and model to model. While your exact rates may be higher or lower than these averages, some Dodge models are on average cheaper to insure than others. For example, the Dodge Grand Caravan is on average several hundred dollars cheaper each year than the Dodge Charger.

Average annual premium for full coverage per model

Auto 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
United States $ 1,387 $ 1,369 $ 1,199 $ 1,162 $ 1,138 $ 1,197

Dodge Features That Impact Insurance Costs

Whichever model of Dodge you choose, choosing one with higher safety ratings and a greater number of safety features could help keep the cost of auto insurance for Dodge within your budget. Enhanced security features may include options such as the following:

  • Blind spot monitoring: This warning system alerts 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 when cornering and helps prevent rollovers.
  • Forward collision warning: If a driver is too close to the vehicle in front, this system will alert the driver. If the driver does not respond, active braking can intervene to stop the vehicle on its own.

Other auto 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 the event of an accident or emergency. In addition to the increased minimums and limits of liability, owners of Dodge vehicles may also find advantageous optional coverage. For example, roadside assistance can be convenient and useful if you find your vehicle unusable following a covered incident, such as an emergency tire change or battery replacement.

If you are leasing or financing a newer vehicle, not only will the lender require full coverage and collision coverage, but gap insurance is another option worth exploring. Gap coverage pays for the “gap” between the amount you owe on a newer vehicle and the amount the insurance company will pay if the vehicle is totaled in an accident. This allows you to avoid a large expense if you end up in a covered accident with significant damage.

Methodology

Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record, credit and the following comprehensive coverage limits:

  • Liability for bodily injury of $ 100,000 per person
  • $ 300,000 liability for bodily injury per accident
  • Civil liability for property damage of $ 50,000 per accident
  • $ 100,000 in bodily injury caused by an uninsured motorist per person
  • $ 300,000 in uninsured bodily injury per accident to a motorist
  • $ 500 collision deductible
  • Global deductible of $ 500

To determine the minimum coverage limits, Bankrate used a minimum coverage that meets the requirements of each state. Our base profile drivers own a 2019 Dodge of the following model types, commute five days a week and travel 12,000 miles a year:

  • Dodge challenger
  • Dodge charger
  • Dodge durango
  • Dodge Grand Caravan
  • Dodge Journey
  • Dodge ram 1500

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

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