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, placing them in the middle of the pack for cost and coverage balance.
Dodge Car Insurance
Updated: November 10, 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 depends on factors like age, model and coverage type.
Dodge car insurance is 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
Your car's price and age directly affect insurance costs. Newer, pricier cars cost more to insure, while older, less expensive vehicles cost less. See how insurance rates for your Dodge vary by model and year below.
Data filtered by:
2020
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 range from $609 to $7,334 annually depending on your age, model and coverage level. Teens pay the most for car insurance, while costs decrease until you're around 60 years old.
Afterward, insurance rates tend to rise slightly as you age. The table below shows how age affects Dodge insurance costs.
Data filtered by:
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 for minimum coverage affordability and 18th for full coverage. Models like the Journey cost less to repair because parts run cheaper. The Charger has pricier parts and higher repair bills.
Dodge drivers also had fewer incidents than most brands in a LendingTree study, which can lower your insurance costs.
How Expensive Is Dodge Insurance Compared To Similar Vehicles?
We compared 2024 Dodge Challenger rates against similar cars by MSRP. Minimum and full coverage rates run up to 14% higher. California, Hawaii and Massachusetts don't let auto insurance costs factor in your age. Your rates depend on your driving record, car type and where you live instead.
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
State Farm has the cheapest car insurance for Dodge vehicles at $39 monthly for minimum coverage and $112 for full coverage. GEICO, Nationwide, Travelers and Allstate also charge low 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
State Farm charges the least for Dodge Challenger, Charger and Durango insurance. GEICO offers the cheapest coverage 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.
Data filtered by:
Dodge Challenger
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 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.
Data filtered by:
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 offers a great mix of low rates, extensive coverage options and good customer service reputations.
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 offers the lowest overall rates, providing the cheapest premiums for four of the six models we analyzed — regardless of driver profile.
The company also performs strongly in customer service and claims handling, ranking sixth overall for claims satisfaction and placing within the top five for overall satisfaction in 42 states (including the top three in 15 states).
In addition, State Farm provides appealing discounts for drivers under 25, including savings for good students and up to 20% off through its defensive driving program.
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 providers on our list, Travelers offers 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 ranks within the top three most affordable full coverage car insurance policies for Dodge vehicles.
The company uniquely 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.
Nationwide also has the best customer satisfaction rating for its 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.
- 1Assess 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.
- 2Research average costs and discounts
Look up average insurance costs for your vehicle so you know what counts as a good deal when comparing quotes.
- 3Compare multiple providers
Get quotes from several insurers. Make sure you're comparing identical coverage amounts, deductibles and limits. Check company reputations, discounts and what each policy covers.
- 4Consider Dodge's insurance program
Check out Dodge's insurance program, which bases rates on how you drive, similar to telematics programs. Many drivers report paying less than they would with traditional insurers.
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 about $601, which breaks down to about $50 monthly.
Is car insurance on a Dodge more expensive?
Car insurance for a Dodge isn't much more expensive compared to other manufacturers. Dodge vehicles include both affordable models and more powerful, higher-priced models like 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
Why this research matters for Dodge drivers: Dodge owners need accurate pricing that reflects real-world costs, not generic estimates. We built our analysis around a typical responsible driver to show what you'd actually pay.
Our sample driver profile: We pulled data from Quadrant Information Services for a 40-year-old driver with good credit, no violations and 12,000 annual miles. This represents a low-risk driver, which most Dodge owners are according to incident data.
Coverage definitions: Minimum coverage meets your state's legal requirements. Full coverage includes 100/300/100 liability limits plus comprehensive and collision with a $1,000 deductible, giving Dodge owners protection beyond state minimums.
How We Chose Best and Cheapest Car Insurance for Dodges
What matters most to Dodge owners: We weighted customer satisfaction heaviest at 35% because Dodge drivers told us they care most about how insurers treat them during claims. Affordability came second at 30% since muscle car and SUV owners want fair rates that reflect their lower accident rates.
Our scoring breakdown: Customer satisfaction (35%) came from J.D. Power studies and NAIC complaint data. Affordability (30%) compared actual rates from Quadrant Information Services. Claims handling (20%) used J.D. Power's Claims Study and CRASH Report Card scores. Coverage options (10%) focused on features Dodge owners need like roadside assistance, rental reimbursement, OEM parts and gap insurance. Financial stability (5%) checked AM Best ratings to ensure companies can pay claims.
Data sources: AM Best provided financial strength ratings. J.D. Power supplied customer satisfaction and claims data. NAIC gave us complaint statistics. Quadrant Information Services delivered pricing data across insurers.
Our analysis scope: We compared 80,676 quotes from seven major insurers. Our baseline used a 40-year-old single male with a clean record, then adjusted for different ages, locations and driving histories to show how rates change.
Coverage explained: Minimum coverage pays for damage you cause to others' property. Full coverage adds comprehensive protection (fire, theft, weather damage) and collision coverage (crash repairs) with a $1,000 deductible you pay before insurance kicks in.
Understanding 100/300/100 limits: This means $100,000 bodily injury coverage per person you hurt, $300,000 total per accident and $100,000 for property damage you cause.
Read 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- LendingTree. "Tesla, Ram, Subaru Have Worst Drivers, While Mercury, Pontiac, Cadillac Have Best." Accessed June 18, 2025.