- It costs more to insure a Dodge Dart than the average car.
- Full coverage for a Dart normally comes in at around $190 per month, while liability only insurance premiums run about $99.
- AmericanAlliance is the lowest auto insurance carrier for a Dart.
In This Article
With base prices starting at just $16,995 for 2016 models, the Dodge Dart is a great budget-friendly car for drivers of all types. There's a Dart for every driver, with seven different trim options available.
Based on analyzing thousands of insurance quotes from Compare.com, we've found that average Dodge Dart car insurance rates run around $177 monthly. Compared to other vehicles in the market, how do Dart insurance prices stack up?
|Current Base Price||$16,995|
|Trim Levels||GT SPORT, SXT SPORT, SE, SXT, LIMITED, GT, SE AERO|
|Average Insurance Premium||$177/mo.|
|Cheapest Insurance Company||AmericanAlliance|
How Much is Car Insurance for a Dodge Dart?
|Vehicle||Liability Only||Full Coverage|
|All Dodge Models||$81||$180|
|Average Insurance Premium||$81||$169|
Looking at the table above, you can see that car insurance rates for a Dodge Dart are above average. On average, Dart owners will pay about $190 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $99 per month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).
When compared to other models, the Dart is slightly more expensive, with premiums more than 5% higher than the other vehicle types offered by Dodge. Likewise, compared to other vehicles of a similar body style, Dart coverage is higher than average, with both full coverage and liability only insurance averaging more expensive prices than other cars.
Unsurprisingly, they're overall more expensive to insure than the average vehicle, regardless of which make, model, or body style you compare it to.
Who has the Cheapest Car Insurance for a Dodge Dart?
|Insurance Company||Average Monthly Premium|
|Kemper Personal Insurance||$37|
Searching for an auto insurance policy for your Dodge Dart? You may be wondering which company offers the cheapest prices. Although costs will typically be pretty different from policyholder to policyholder, the cheapest average rates for liability only insurance are as low as just $29 monthly from Oasis. With car insurance as cheap as just $37 a month, Kemper Personal Insurance is the next most affordable auto insurance carrier.
The third, fourth, and fifth companies on the list are CSAA, CaliforniaCasualty, and Ohio Mutual. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.
Auto insurance companies take several different things into consideration when calculating monthly rates. By reviewing quotes from multiple car insurance carriers at once, you can guarantee you're finding the lowest rate.
What Factors Affect Car Insurance Rates for a Dodge Dart?
There are several attributes that insurance companies look at to decide how much they charge you for auto insurance -- and every company uses a different formula, so there's not just one carrier that's the cheapest for everyone.
The sections below show a wide array of factors insurance carriers use to calculate rates:
|Vehicle Age||Average Monthly Premium|
|Less than 1 Year||$76|
|11-14 Years||Not Enough Data|
|15 Years or Older||Not Enough Data|
Dodge has been making the Dart for quite some time -- and that means the car's age may play a role in how much you'll pay for car insurance. Usually, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and Darts continue to depreciate, insurance costs will gradually go down.
A new Dodge Dart model hasn't been added to the market for over 5 years, so the Dart won't really fit this trend. However, as you can see in the table above, the most expensive Dodge Darts to insure are those that are 8 to 10 years old, while the cheapest models are Darts that are 1 year old or less, on average.
|Age||Average Monthly Premium|
Age plays a big role in how much auto insurance companies will charge for car insurance. Based on the information in the table above, drivers who have more experience on the road have less expensive rates than drivers under 18. Dodge Dart drivers under 18 actually pay more than twice as much as those 25 or older.
Car insurance prices continue to get lower as you get older, with drivers aged 55-64 making up the cheapest age group for the Dart.
|Gender||Average Monthly Premium|
Because women are less likely to get speeding tickets and get into accidents, they have a decreased chance of filing a claim with insurance. So, insurance carriers will often charge women less than men. The Dodge Dart follows this convention, and women pay around $93 monthly for auto insurance and men pay about $105.
Where You Live
|State||Average Monthly Premium|
You might already know that variables like how old you are and what vehicle you drive play a role in your insurance premiums, but did you know that where you live has just as much of an impact? Since auto insurance is regulated on the state level and not nationally, prices fluctuate quite a bit depending on which state you're located in.
For example, the average Dodge Dart owner from New York pays around $205 per month for liability coverage. Meanwhile, the same driver from California will pay less than 50% of that price, on average. The table referenced above shows average rates for the 10 largest states by population, just to give you a good idea of how much premiums can change across states.
Dodge Dart Car Insurance Discounts
No matter what state you call home, what car you drive, or how old you are, it's always the smart move to take advantage of as many insurance discounts as possible.
Even though all car insurance companies offer their own unique discounts, there are a few different ones that you'll find with most carriers. These include discounts like:
- Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like air bags or anti-lock brakes)
- Defensive driving discounts for taking a defensive driving class through a certified school or institution
- Multi-policy discounts for bundling your home and auto policies with the same company
- Pay-in-full discounts for agreeing to pay your entire policy price at once, rather than in monthly installments
While taking advantage of discounts is always a smart way to save money on your insurance, sometimes, the best rates come from simply having a favorable insurance profile, which means not having any recent insurance claims or just having a clean driving record.
Although you can't control every single aspect of your car insurance profile (like some of the variables we mentioned above), there is quite a bit of it that you can influence. Below are just a few of the things you can use to your advantage when it comes to saving some cash:
Your Driving Record
|Infractions||Average Monthly Premium|
You've probably noticed ads from auto insurance companies offering large savings for safe drivers. And you probably wouldn't be surprised that your car insurance prices will go up if you get a ticket for speeding or get into a collision. But exactly how much can these infractions cost you?
You can tell from the table above that accidents will usually cost Dart drivers more than tickets, but both will result in higher than average rates. Dodge Dart drivers with one accident on their record pay an average of $104 each month (up $5 from the $99/mo. overall average), while drivers with a single ticket will pay about $90 monthly. The rates only go higher the more collisions you have or tickets you get.
How Much You Drive
|Annual Mileage||Average Monthly Premium|
The amount of miles you drive each year plays a role when it comes to your auto insurance rates. Drivers who are on the roads less often have fewer opportunities to get into an accident, so they'll generally end up paying less for insurance. Above, you can see that Dodge Dart owners who drive between 5,000 and 7,500 miles a year pay an average of $94 per month for auto insurance, while those who put less than 2,500 miles on their cars pay $123.
But if you work from home or drive less often than the average driver, you might consider learning about usage-based or pay-per-mile car insurance policies. With these kinds of policies, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.
How Do Dodge Darts Compare to Other Vehicles?
If you're considering purchasing a Dodge Dart, you might be wondering how it compares to other cars. Insurance is just one cost that's associated with a new car purchase, but it's guaranteed to be one that's worth taking into consideration.
Check out the table below to see how the Dodge Dart stacks up:
|Dodge Dart||National Average|
|Full Coverage Insurance||$196||$169|
|Average Annual Mileage||13,680||11,617|
Overall, the Dodge Dart is a great value when it comes to price, with an MSRP that's less than half of the going rate for a new vehicle. The Dart retails at $16,995, which is quite a bit lower than the national average vehicle price of $41,071. And since it's been awhile since a new Dart model has been on the market, used prices will be even lower.
But while the purchase price is on the lower end of the spectrum, insurance prices are higher when compared to other vehicles on the market. Full coverage insurance for a Dodge Dart is about $27 per month more than average, while liability only coverage is $19 higher a month.
When it comes to usage, Dodge Dart owners drive more miles annually than the national average, with 11,617 miles per year for all vehicles compared to the Dart's 13,680 every year.
Dodge Dart Car Insurance Costs by Model Year
You've seen how different factors can affect how much you might pay for auto insurance. If you're considering buying a new vehicle and the Dart is one you're thinking about, having a good idea of how much you'll likely pay can be extremely helpful as you weigh your options and compare it to other vehicles on your shortlist.
2016 Dodge Dart Car Insurance
|Liability Only Avg. Premium||$100|
|Full Coverage Avg. Premium||$196|
|Cheapest Insurance Company||Commonwealth Casualty - $20/mo.|
|Available Trims||GT, GT SPORT, LIMITED, SE, SE AERO, SXT, SXT SPORT|
You can expect full coverage for a 2016 Dart to run around $196 per month, while liability only coverage will average about $100 monthly.
Commonwealth Casualty has prices sometimes as low as $20 a month for the 2016 Dodge Dart.
If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.
2015 Dodge Dart Car Insurance
|Liability Only Avg. Premium||$101|
|Full Coverage Avg. Premium||$200|
|Cheapest Insurance Company||MetLife - $19/mo.|
|Available Trims||GT, LIMITED, SE, SE AERO, SXT|
2015 Dodge Dart drivers can expect to pay an average of $101 monthly for liability or $200 for full coverage.
If you're looking for the lowest possible 2015 Dodge Dart insurance policy, MetLife offered the lowest policy we found, with rates sometimes as cheap as $19 per month.
Interested in what your insurance rate will be? Just enter your ZIP code below to get several customized quotes for free.
2014 Dodge Dart Car Insurance
|Liability Only Avg. Premium||$93|
|Full Coverage Avg. Premium||$183|
|Cheapest Insurance Company||Hugo - $19/mo.|
|Available Trims||GT, LIMITED, SE, SE AERO, SXT|
It costs around $93 a month for liability or $183 for a full coverage policy for the 2014 Dart.
With premiums as low as $19 per month, Hugo offered the cheapest policy we found for the 2014 Dodge Dart.
If you want to find the best rates for auto insurance for a 2014 Dodge Dart, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.
2013 Dodge Dart Car Insurance
|Liability Only Avg. Premium||$100|
|Full Coverage Avg. Premium||$178|
|Cheapest Insurance Company||Clearcover - $17/mo.|
|Available Trims||LIMITED/R/T, SE/AERO, SXT|
The average cost to insure a 2013 Dodge Dart with liability only coverage is $100 a month, while full coverage runs about $178 monthly.
We found Clearcover offered the most affordable policy, with rates as little as $17 a month.
Want to know exactly what your car insurance price will be? Just enter your ZIP code below to get a variety of free personalized quotes.
Dodge Dart Insurance FAQs
Is a Dodge Dart expensive to insure?
Liability insurance runs an average of $99 monthly, while full coverage will cost you around $190. Compared to the national average of all vehicles, premiums come in on the more expensive end of the spectrum.
How can I get the best price on car insurance for my Dodge Dart?
There's only one way to make sure you're getting the lowest rates -- regularly shopping around and comparing quotes from a lot of carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a whole bunch of companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.
Does the color of my Dodge Dart affect my insurance rates?
You've probably heard the old adage that it costs more to insure a red car than cars of other colors, but that's simply not true. There are lots of variables insurance carriers examine when they decide how much to charge you for a policy, but the color of your car is not factored into that equation.
Do I need to have insurance before I buy a Dodge Dart?
You'll need to have valid auto insurance for your vehicle before you can legally drive your it off the dealership lot. As part of the buying process, some dealerships might offer you an auto insurance policy, but the easiest thing to do is to let your insurance carrier know before you buy.
What car insurance discounts can I get for my Dodge Dart?
There are many discounts out there when it comes to car insurance. Many of them (like "pay-in-full discounts" and "safe driver discounts") are based less on your Dodge Dart and more on you, but if your Dart has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may be eligible for certain discounts. To find out which discounts you may receive, get in touch with your insurance company and ask about their list of discounts.