Dodge Car Insurance Quotes in 2026
Dodge drivers pay an average of $150 for car insurance, with USAA offering the lowest rates.
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Written byAnna Baluch
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Anna BaluchInsurance Writer
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Edited byNick Versaw
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Nick VersawSenior Managing Editor
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Reviewed byKatie Powers
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Katie PowersLicensed P&C Agent and Insurance Editor
Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519
Updated
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Key Takeaways
Dodge owners pay an average of $150 for auto insurance coverage — lower than the national average of $162.
USAA, State Farm, and Allstate offer the most affordable rates for Dodge owners.
While the Caravan is the cheapest to insure, the Challenger and Charger are the most expensive.
The Cheapest Car Insurance Companies for a Dodge
Each car insurer has its own method for calculating premiums, though most consider the same factors, such as personal risk, inflation, severe weather, and reinsurance rates.[1] To find the best deal for your unique needs, it’s a good idea to shop around.
In the table below, you’ll find average Dodge car insurance rates from different insurance companies, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $77 |
| State Farm | $86 |
| Allstate | $109 |
| American Family | $117 |
| GEICO | $120 |
| CSAA | $131 |
| Nationwide | $141 |
| Progressive | $145 |
| Travelers | $148 |
| Farmers | $167 |
| Liberty Mutual | $199 |
| Amica | $376 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
USAA, State Farm, and Allstate offer some of the lowest premiums for Dodge owners. Let’s take a closer look at car insurance rates for the leading Dodge models.
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Car Insurance Costs for Top Dodge Models
Dodge car insurance premiums vary by model. Here’s an overview of average car insurance rates for four of the bestselling vehicles in 2025 — the Caravan, Challenger, Charger, and Durango.
Model | Average Liability Premium | Average Full-Coverage Premium |
|---|---|---|
| Caravan | $87 | $116 |
| Challenger | $136 | $292 |
| Charger | $140 | $276 |
| Durango | $106 | $199 |
| All Dodge models | $112 | $188 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
Dodge Grand Caravan
Average Dodge Caravan liability premium: $87 per month
Average Dodge Caravan full-coverage premium: $116 per month
2026 Dodge Caravan MSRP: Depending on the model, up to $15,000 used, according to Kelley Blue Book
The Dodge Caravan is an affordable minivan known for its Stow‘n Go seats. For the most part, it earned good safety ratings from the Insurance Institute of Highway Safety (IIHS).
The table below shows the cheapest car insurance rates for the Dodge Caravan.
Company | Average Monthly Premium |
|---|---|
| USAA | $48 |
| State Farm | $53 |
| Allstate | $68 |
| American Family | $72 |
| GEICO | $74 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
Dodge Durango
Average Dodge Durango liability premium: $106 per month
Average Dodge Durango full-coverage premium: $199 per month
2026 Dodge Durango MSRP: Starting at $38,995
The Dodge Durango is a 7-seater SUV with best-in-class towing capacity and a 4-out-of-5 safety rating from the National Highway Traffic Safety Administration (NHTSA).
The following table shows the cheapest average monthly premiums for Durango drivers, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $76 |
| State Farm | $90 |
| Allstate | $101 |
| GEICO | $112 |
| American Family | $116 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
Dodge Charger
Average Dodge Charger liability premium: $140 per month
Average Dodge Charger full-coverage premium: $276 per month
2026 Dodge Charger MSRP: Starting at $49,995
The Dodge Charger R/T is a powerful full-size sedan that can go from zero to 60 mph in 5.6 seconds. While the latest model hasn’t been ranked for safety yet, it comes with a variety of safety features, including active-driving assist, blind-spot monitoring, and a forward-facing camera.
The table below highlights the most affordable car insurance rates for the Charger, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $114 |
| State Farm | $126 |
| Allstate | $161 |
| American Family | $171 |
| GEICO | $176 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
The Best Insurance Companies for Dodge Drivers
The ideal insurer depends on your budget, coverage needs, and overall driver profile.
To help you with your search, we chose some of the best car insurance companies for Dodge owners based on average rates, available discounts, coverage options, and customer ratings and reviews.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $81/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $146/mo |
3.9
A solid optionBased on 801 verified guest reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.3 | 2.9 |
How drivers feel about GEICO
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 307 GEICO reviews
Verified Review
Reviewed in Virginia on August 15, 2026
Rates go up every six months, whether you have a claim or not.
Verified Review
Reviewed in Missouri on August 12, 2026
It’s okay, but it’s very expensive for me. I haven’t had any claims. My motorcycle insurance was really high, so I switched it to Harley-Davidson.
Verified Review
Reviewed in Florida on August 11, 2026
Satisfied, but I'm looking for better rates.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
GEICO advertises a variety of discounts for just about every Dodge driver. These discounts are based on the equipment in your Dodge, your driving history and education, and how you pay for your policy. You can also take advantage of Auto Repair Xpress, which makes it fast and easy to repair your vehicle after a covered claim.
Pros
Multiple discounts
Offers mechanical breakdown insurance
Cons
No rideshare coverage
Fewer add-ons than competitors
| User Reviews | 3.1 |
|---|
3.1
A solid optionBased on 23 verified guest reviews and ratings
Nationwide's score | Industry average | |
|---|---|---|
| Coverage options | 3.0 | 3.2 |
| Customer service | 3.1 | 3.6 |
| Discounts | 3.0 | 2.9 |
| Policy transparency | 3.0 | 3.1 |
| Value | 3.4 | 2.9 |
Showing recent national reviewsSee all 7 Nationwide reviews
Verified Review
Reviewed in North Carolina on December 18, 2025
I would shop around depending on how much coverage you need. Nationwide has handled my past claims, although, as you might suspect, there were some frustrating times spent trying to glean information from representatives. Nationwide has changed since I first started with them. They used to have independent agencies; now they seem to be just representative agencies with no real concern for people—just customers who pay their bills every month if they "accept" your business.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
641
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
If you don’t drive your Dodge often because you’re retired or work remotely, for example, a SmartMiles car insurance policy from Nationwide is worth exploring. You’ll pay a base rate plus a variable rate that changes monthly based on your mileage and driving behavior.
Unlike other insurers, Nationwide also offers accident forgiveness that helps you avoid a premium hike after an at-fault accident.
Pros
Offers SmartMiles pay-per-mile insurance
10% safe driving discount after first renewal
Cons
SmartMiles isn’t available in every state
Below-average J.D. Power claims satisfaction ratings
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $52/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $101/mo |
4.2
Best choiceBased on 198 verified guest reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.8 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
How drivers feel about USAA
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 81 USAA reviews
Verified Review
Reviewed in Texas on August 11, 2026
Use USAA for all your insurance needs.
Verified Review
Reviewed in California on August 10, 2026
My rates go up every year even though I haven’t had an accident or a ticket in 18 years. There are no loyalty or longevity discounts for being a great driver for that long.
Verified Review
Reviewed in Pennsylvania on August 9, 2026
Take notes and be prepared to talk to multiple people. That’s the downside of not having a designated agent. If you’re in a car accident and your car is totaled, they may try to significantly lowball what you’re owed by $5,000 or more. Be firm and decline their first offer. Get management involved.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
USAA caters to Dodge drivers in the military community. You can save money on your coverage through several military-specific discounts. USAA also offers a convenient mobile app for easy policy management and claim filing. Plus, rates are affordable, and the insurer reports that members saved an average of $840 per year when they switched to a USAA auto policy.
Pros
SafePilot and SafePilot Miles telematics programs
Offers a discount of up to 60% for storing a Dodge during deployment
Cons
Available only to active-duty military members, veterans, and their families
No gap insurance
Average Cost of Dodge Car Insurance by State
Car insurance premiums for Dodge vehicles vary by location. For example, you’ll likely pay more if you live in a state with heavy traffic congestion, severe weather, or high theft rates.
In this table, you’ll find the average car insurance costs for Dodge drivers, broken down by state, according to Compare.com data.
Dodge Rates by State
State | Average Monthly Premium |
|---|---|
| Alabama | $124 |
| Arizona | $132 |
| Arkansas | $142 |
| California | $161 |
| Colorado | $161 |
| Connecticut | $223 |
| Delaware | $187 |
| Florida | $175 |
| Georgia | $200 |
| Hawaii | $99 |
| Idaho | $82 |
| Illinois | $124 |
| Indiana | $102 |
| Iowa | $84 |
| Kansas | $116 |
| Kentucky | $155 |
| Louisiana | $168 |
| Maine | $110 |
| Maryland | $238 |
| Massachusetts | $118 |
| Michigan | $181 |
| Minnesota | $136 |
| Mississippi | $118 |
| Missouri | $142 |
| Montana | $117 |
| Nebraska | $113 |
| Nevada | $199 |
| New Hampshire | $69 |
| New Jersey | $211 |
| New Mexico | $114 |
| New York | $173 |
| North Carolina | $70 |
| North Dakota | $92 |
| Ohio | $97 |
| Oklahoma | $134 |
| Oregon | $120 |
| Pennsylvania | $126 |
| Rhode Island | $173 |
| South Carolina | $192 |
| South Dakota | $108 |
| Tennessee | $112 |
| Texas | $172 |
| Utah | $118 |
| Vermont | $112 |
| Virginia | $140 |
| Washington | $133 |
| District of Columbia | $247 |
| West Virginia | $116 |
| Wisconsin | $95 |
| Wyoming | $88 |
Average Cost of Dodge Car Insurance by Age
Insurers will also consider your age when setting rates for your Dodge. Young drivers aged 16–19 have a higher risk of accidents than older drivers with more experience on the road.[2] That’s why teens usually pay more for car insurance coverage.
Here’s a look at the monthly average Dodge car insurance costs for different age groups, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Drivers younger than 25 | $288 |
| Adult drivers | $150 |
| Senior drivers | $129 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
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Average Cost of Dodge Car Insurance by Driving Record
Your driving record also influences your auto insurance premiums. If you have a speeding ticket or driving under the influence (DUI) conviction, you may face higher rates than someone with a clean record.
This table reveals the average monthly rates for different driving records.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $150 |
| Speeding ticket | $201 |
| At-fault accident | $215 |
| DUI | $252 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
Other Factors That Affect Dodge Car Insurance Rates
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In addition to location, age, and driving record, a few other factors may play a role in how much it costs to insure a Dodge.
Dodge safety ratings
The IIHS doesn’t usually name Dodge vehicles as Top Safety Picks, but some still get good safety ratings. For example, the Dodge Durango earned 4 out of 5 stars from the NHTSA.
Since Dodge models aren’t as safe as other options on the market, you might pay a bit more for coverage.
Dodge repair and replacement costs
Repair and replacement costs vary by Dodge model. For instance, it’s more expensive to maintain a Dodge Grand Caravan than a Challenger or Charger. Higher maintenance costs can raise your premiums.
Dodge trim levels
The features of your Dodge can also affect your car insurance costs. Some trim levels increase your car’s value and are more expensive to repair or replace, leading to higher rates.
If you choose the Dodge Durango GT Plus AWD HEMI V8, for example, you’ll likely pay more than someone with the entry-level GT model. This is due to advanced standard features like the HEMI engine and the Harman Kardon premium audio system.
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Car Insurance Coverages to Consider for Your Dodge
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Most states require liability coverage. This auto policy covers property damage and injuries after an at-fault accident. For additional protection while you’re cruising around in your Dodge, you might benefit from these optional coverages:[3]
Personal injury protection (PIP): Required in some states, PIP usually covers medical expenses, lost wages, and funeral expenses, regardless of who’s at fault.
Medical payments (MedPay): MedPay coverage helps pay for medical treatments, surgeries, and hospital visits, regardless of who caused the accident.
Roadside assistance: Roadside assistance may come in handy if your Dodge gets a flat tire or encounters another emergency situation on the road.
Rental reimbursement: With rental reimbursement, the insurer may reimburse you for rental car costs while your Dodge is in the shop for covered repairs.
Dodge Car Insurance FAQs
Below, you’ll find frequently asked questions about Dodge auto insurance policies.
What’s the cheapest car insurance company for a Dodge?
USAA offers the lowest car insurance rates for Dodge owners, with an average premium of $77 per month. But it’s only available if you’re affiliated with the military community, so you might want to explore other affordable insurance options from a company like State Farm and Allstate.
How much does car insurance cost for a Dodge Caravan?
Car insurance coverage for the Dodge Caravan ranges from $48 to $74 per month, according to Compare.com data. Your exact rates will depend on your age, location, the model year, your driver profile, and other factors.
Are Dodge cars expensive to insure?
Dodge vehicles are cheaper to insure than other vehicles. Average rates are $150, compared to the national average of $162. To lock in the best deal for your unique situation, shop around and reach out to car insurance agents.
What are the cheapest Dodge models to insure?
Among all Dodge models, the Dodge Caravan and Durango generally come with the lowest car insurance rates.
Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Centers for Disease Control and Prevention. "Risk Factors for Teen Drivers."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
Methodology
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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)
Anna BaluchInsurance Writer
Nick VersawSenior Managing Editor
Katie PowersLicensed P&C Agent and Insurance Editor
Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519