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Daria Uhlig is a seasoned writer and editor with more than a decade of experience creating personal finance content. She has been writing for Compare.com since 2024, and her work also appears in notable publications like USA Today, Nasdaq, MSN, Yahoo Finance, Fox Business, Credible, GOBankingRates, AOL, and Insurify.
As a licensed Realtor and resort property manager, Daria specializes in real estate topics, including landlord, homeowners, and renters insurance.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Whether you need liability-only or full-coverage car insurance, Dodge vehicles cost more to insure than the average car. High theft rates for some models drive up premiums, and you’ll pay more to insure muscle cars like the Charger and Challenger.[1] The insurer Certainly offers the best deal across Dodge models, with an average insurance premium of $88 per month.
We’ll tell you the best insurers for your Dodge, how to pick the right coverage, and ways to save money on your policy.
Dodge owners pay an average of $163 per month to insure their cars. That’s more expensive than the national average for all vehicles of $152 per month.
The Challenger and Charger are the most expensive Dodge cars to insure.
Certainly, Novo, and Travelers offer the cheapest rates for Dodge vehicles.
The table below shows the average rates for Dodge cars compared to those for all vehicles. It includes the overall averages, plus the averages for liability-only and full-coverage insurance, according to Compare.com data.
Vehicle Type  | Average Monthly Premium: Liability Coverage | Average Monthly Premium: Full Coverage | Overall Average for All Policies |
|---|---|---|---|
| Dodge | $116 | $211 | $163 |
| All makes | $107 | $197 | $152 |
Dodge vehicles cost an average of $163 per month to insure, about 7% more expensive than the average of $152 for all makes. Full coverage has the biggest gap in cost, a difference of $14. Over the course of a year, average Dodge insurance rates cost about $130 more than insurance for other cars.
The specific model of the car you drive can have a significant effect on your insurance rates. Insurance companies base rates on risk, and some car models are riskier to insure than others. For example, insurers might have to pay more for injury claims because of cars with poor safety ratings.
The Dodge Charger SRT Hellcat, Charger HEMI, and Challenger were three of the five most frequently stolen vehicles for model years 2020 to 2022, according to the Highway Loss Data Institute.
Dodge specifically promotes its vehicles as muscle cars, and that reputation also drives up insurance rates. Muscle cars have higher accident and death rates, partly because they’re marketed as aggressive, high-performance vehicles, according to the Insurance Institute for Highway Safety.[2]
The type of coverage you choose also influences your rates. Liability-only coverage costs less but doesn’t pay to repair or replace your vehicle after a crash. You ’ll pay higher premiums for full-coverage policies, but you’ll potentially have to pay less out of pocket if something happens to your car.
The table below lists average liability and full-coverage monthly premiums for the most popular Dodge models, according to Compare.com data.
Model | Average Liability Premium | Average Full-Coverage Premium |
|---|---|---|
| Challenger | $147 | $267 |
| Charger | $149 | $271 |
| Durango | $109 | $198 |
| Grand Caravan | $81 | $147 |
| Hornet | N/A | N/A |
| Journey | $98 | $178 |
| All Dodge models | $116 | $211 |
As you can see, high-performance vehicles cost more to insure than safer cars. Liability coverage for the family-friendly Grand Caravan costs 45% less than the more powerful Challenger.
You should always compare insurance rates from several companies to find the best coverage. As you’ll see, comparing Dodge insurance coverage could save you hundreds of dollars per year.
There isn’t one insurer that’s cheapest for every type of driver. How much you pay for car insurance depends on many factors, including your age, location, coverage needs, and driving record. You can save money by shopping around and comparing insurance quotes from several companies.
The following table shows how much the average rates for Dodge cars vary from one insurer to the next, according to our data. Certainly offers the cheapest insurance for Dodge vehicles, with rates averaging $88 per month.d
Company | Average Monthly Premium |
|---|---|
| Certainly | $88 |
| Novo | $93 |
| Travelers | $99 |
| Apparent | $102 |
| Mile Auto | $107 |
| Safeco | $109 |
| First Chicago | $112 |
| Nationwide | $113 |
| SafeAuto | $113 |
| Midvale Home & Auto | $118 |
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No insurance company is the best choice for every driver. In fact, insurers vary quite a bit in their rates, coverages, and discounts. Service matters, too. A low rate does little good if you have to jump through hoops to file a claim.
We picked the best insurers for different Dodge drivers based on a combination of factors, including average rates, customer ratings and reviews, available discounts, and coverages offered.
Compare.com Rating N/A
Low rates
Simple quote process
Backed by Liberty Mutual
Limited information and functionality on its website
Available in only five states
No local agents
Certainly is an excellent option for drivers looking for a streamlined and straightforward approach that keeps costs to a minimum. The online-only insurance company has outstanding customer reviews and offers low rates on car insurance. It also tries to make getting a quote as simple as possible.
But its website has surprisingly little information for an online-only company. Certainly also offers coverage only in Arizona, Illinois, Ohio, Tennessee, and Wisconsin.
Compare.com Rating: 5/5
Discounts for young drivers
Various coverage options
Above-average customer satisfaction ratings from J.D. Power[3]
Discounts vary by state
Not available in every state
Gap insurance not available
State Farm is one of the nation’s largest insurance companies and offers many coverage options and discounts, especially for younger drivers. Good student, driver training, and student away at school discounts provide significant savings. Plus, the company’s Steer Clear and Drive Safe & Save telematics programs can reduce your rates even more.
But State Farm doesn’t offer coverage in every state, and its discounts can vary depending on where you live. The company also doesn’t offer gap insurance.
Compare.com Rating 3.28/5
Pay-per-mile coverage
Telematics tracking device not required
Customizable coverage options
Available in only seven states
Not accredited by the Better Business Bureau[4]
Difficult to contact customer service
People who drive less than 10,000 miles per year can save up to 40% on their insurance premiums with Mile Auto’s pay-per-mile insurance.
First, the company uses rating factors like driver history and vehicle type to establish a base rate. Then, you just submit a photo of your odometer each month, and Mile Auto will bill you for the base rate plus a per-mile fee. If you don’t drive at all during the month, you pay only the base rate.
Mile Auto offers liability-only and full coverage, and you can choose your coverage limits and deductible. But in exchange for few coverage options and limited customer service, you can save a significant amount of money on your insurance.
Compare rates and find out how much you can save.
Where you live can affect how much you pay for car insurance. Every state has different risk factors insurers need to consider, like severe weather, repair costs, and the number of insurance-related lawsuits.[5]
As you can see in the map below, average rates for insuring a Dodge vary widely, ranging from $81 per month in North Carolina to $415 per month in New York.
State | Average Monthly Premium |
|---|---|
| Alabama | $107 |
| Arizona | $144 |
| Arkansas | $206 |
| California | $207 |
| Colorado | $169 |
| Connecticut | $328 |
| Delaware | $200 |
| Florida | $211 |
| Georgia | $214 |
| Idaho | $108 |
| Illinois | $134 |
| Indiana | $116 |
| Iowa | $98 |
| Kansas | $132 |
| Kentucky | $211 |
| Louisiana | $194 |
| Maine | $128 |
| Maryland | $296 |
| Massachusetts | $162 |
| Michigan | $252 |
| Minnesota | $162 |
| Mississippi | $162 |
| Missouri | $158 |
| Montana | $131 |
| Nebraska | $151 |
| Nevada | $257 |
| New Hampshire | $99 |
| New Jersey | $171 |
| New Mexico | $125 |
| New York | $415 |
| North Carolina | $81 |
| North Dakota | $125 |
| Ohio | $110 |
| Oklahoma | $140 |
| Oregon | $139 |
| Pennsylvania | $141 |
| Rhode Island | $124 |
| South Carolina | $236 |
| South Dakota | $104 |
| Tennessee | $121 |
| Texas | $191 |
| Utah | $157 |
| Vermont | $117 |
| Virginia | $156 |
| Washington | $120 |
| District of Columbia | $245 |
| West Virginia | $125 |
| Wisconsin | $110 |
| Wyoming | $104 |
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While price is an important part of insurance shopping, you should make sure you find a company that fits your coverage needs. Some things to consider when choosing an insurer include:
Liability coverage: Most states require drivers to have car insurance. You’ll need minimum liability coverage that meets your state’s requirements, but make sure you know what’s covered. Liability coverage costs less, but you may have higher out-of-pocket costs if you cause an accident.
Full coverage: Full-coverage policies cost more but give you better financial protection, regardless of fault. Full coverage usually includes collision and comprehensive insurance to cover damage to your car caused by severe weather, vandalism, and more. If you finance or lease your car, lenders typically require you to buy full coverage.
Personal injury protection (PIP): No-fault states usually require drivers to buy personal injury protection. But you may want it regardless of where you live because it covers your and your passengers’ medical expenses, even if you’re not at fault.[6]
Uninsured/underinsured motorist (UM/UIM) coverage: You may also want to consider uninsured/underinsured motorist coverage. UM/UIM protects you if you have an accident with a driver with too little or no insurance to cover the claim.
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You might pay high rates to insure your Dodge, especially if you drive a high-performance model or SUV. But you can always try to reduce your insurance costs. Some tips for keeping costs down include:
Bundle policies: Bundling your auto policy with homeowners or renters insurance could earn you a discount.
Increase your deductible: Opting for a higher deductible can reduce your monthly premium. But you’ll pay more if you file a claim, so make sure you can afford the out-of-pocket costs.
Check for discounts: You may qualify for affiliation or affinity discounts through your employer or professional organization.
Improve your credit: Insurers use credit-based insurance scores when determining rates. Improving your credit could reduce your monthly premium.
Shop around: Compare quotes before every renewal period to make sure you get the right coverage at the best price.
Compare quotes from top insurers and save money in seconds.
The more you know about insuring your Dodge, the better equipped you’ll be to pick the best coverage. Below, we answered some common questions from Dodge owners about car insurance.
Dodge cars cost an average of $163 per month to insure, according to Compare.com data. Dodge drivers pay an average of $116 per month for liability-only coverage and $211 per month for full coverage. Your costs can vary by Dodge model and other factors, including your driving history, address, and age.
It depends. Dodge drivers pay a monthly average of $163 for car insurance. That’s about 7% higher than the average for all vehicles of $152 per month, according to Compare.com data. But how much you pay for insurance depends on factors like your location and driving habits.
The Dodge Caravan costs the least to insure, with an average liability rate of $81 per month, according to Compare.com data.
Yes. The Dodge Challenger costs an average of $147 per month for liability-only coverage and $267 per month for full coverage. That’s more expensive than the average for all vehicles of $107 for liability coverage and $197 for full coverage.
It depends. Your insurance rate could increase if you buy a Dodge Charger that costs more or is less safe than your current car.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Daria Uhlig is a seasoned writer and editor with more than a decade of experience creating personal finance content. She has been writing for Compare.com since 2024, and her work also appears in notable publications like USA Today, Nasdaq, MSN, Yahoo Finance, Fox Business, Credible, GOBankingRates, AOL, and Insurify.
As a licensed Realtor and resort property manager, Daria specializes in real estate topics, including landlord, homeowners, and renters insurance.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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