Compare Dodge Car Insurance Rates [2023]

Dodge makes a lot of different vehicles, which means how much you pay depends on the model. You want to find cheap car insurance rates for your Dodge, but you also want to make sure it’s covered properly. That gets confusing, but we can help no matter what Dodge you drive.

Is the Dodge Dart expensive to insure? Are Dodge Challengers expensive to insure? Is insurance on a Dodge Charger expensive? You have the questions, and we have answers. We’ll cover the average insurance rates for a variety of Dodge vehicles, as well as their other features, so you’ll know what car insurance premiums to expect when you buy one.

Ready to compare Dodge car insurance rates? Enter your ZIP code into the FREE comparison tool above.

How much are Dodge car insurance rates on average?

Dodge makes a lot of vehicles, from minivans to sports cars. That means a big range of insurance prices. The vehicle itself is just one of the factors that goes into determining how much you pay for car insurance, but it is a big one.

The size, value, and frequency of claims on each Dodge model are considered by insurance companies as part of the rating process. The other part of that picture is factors about you, your driving history, and your driving habits.

In the following sections, we will look at the aspects of Dodge vehicles that affect the insurance rates for the different models.

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How does the frequency of claims filed on a Dodge vehicle affect car insurance rates?

Claims affect an insurance company’s bottom line. When there are more claims paid out than policies written, a car insurance company could experience major financial losses. Depending on the scale of those losses, a company may have to raise their rates to make up the income. You may be asking: What is the cheapest car insurance company? We’ve got you covered.

This section will explore the rate of claims filed and minimum liability coverage rates.

The first thing we’ll talk about is the frequency of claims. The information provided in the data below is from the Insurance Information Institute (III). Let’s take a look at the frequency of claims based on collision car insurance losses.

III separated the claims filed by vehicle class. Some of the models listed in this guide fit in the passenger car and minivan category, which is the category with the highest rate of claims filed. Claim severity for passenger cars was the lowest in the data, but passenger cars had the highest for overall loss. SUV, on the other hand, have the second-lowest claims filed rate.

Before any policyholder can enroll in collision insurance coverage, they first must have the minimum car insurance requirements, which is liability coverage.

Liability coverage is made up of two components — bodily injury and property damage.

We’ll discuss bodily injury and property damage in detail later in the guide. For now, let’s look at the core liability coverage rates for the Dodge vehicles.

What is the cheapest car insurance company? It’s difficult to find estimated quotes without going through different company’s quote queries. For your convenience, we’ve searched the internet for basic car insurance quotes for Dodge vehicles.

How much is insurance on a Dodge Challenger RT or other model? Expect liability coverage to increase when insuring a vehicle that’s a later model. New model vehicles have more expensive rates because of the vehicle’s value. That means 2019 Dodge Challenger insurance costs will be more expensive than the 2018 Dodge Challenger insurance costs.  So if you’re targeting a brand new Dodge, the car insurance rates will be expensive.

How much is insurance on a Dodge Challenger for a 16 year old? Well in general teenager drivers are going to pay to drive cars…add a sports car in the mix and the rates may be higher. Our best recommendation is to compare rates above.

What are the sizes and classes of Dodge motor vehicles?

The size and class of a vehicle can determine car insurance rates. Size and class are determined by a motor vehicle’s weight and dimensions (often referred to as “shadow”). The Insurance Institute of Highway Safety (IIHS) has an extensive description of how motorists and researchers can determine the size and class of a vehicle. Here are the measurements.

This table is specifically for passenger cars like minivans and sedans. Let’s look at another table designed to determine the size of sports utility vehicles (SUV).

SUV are identified much differently than regular passenger cars like minivans and sedans. They weigh more and the dimensions for these types of vehicles are generally greater than minivans and sedans.

Pickup trucks can rival the SUV size and weight, however, with a great capacity to tow and cargo more weight. These vehicles are more practical than those in other classes. To determine their size, let’s look at one final table that describes the vehicle size group of pickups.

The measurements of a vehicle only show us the size, but the design of a vehicle shows us the class. For us to fully understand the class of each Dodge vehicle, we’ll need to look at their actual dimensions and curb weight.

The shadows or dimensions referenced are in feet. We multiply the length times width of each vehicle to find the square feet (sq. ft.). Based on the measurement guides from the IIHS, we were able to determine the size based on the square feet of each vehicle in the table.

How does the size of a Dodge vehicle affect bodily injury liability car insurance rates?

When a policyholder enrolls in liability coverage, they will notice several parts within it. One of the most important is bodily injury.

Bodily injury coverage pays for any injuries of a no-fault party and their passengers.

Each state has different limits for liability coverage, so car insurance companies may suggest the policyholder get a higher coverage limit to prepare for accidents with expensive costs. These costs are a loss for car insurance companies due to the claims filed.

The information listed below is from the IIHS and explains how car insurance companies were affected by claims involving Dodge vehicles. At the moment, the 2019-2020 insurance losses aren’t available, but we can show you results from older model years to give you an idea of how car insurance companies were affected by filed claims from each vehicle.

Bodily Injury Insurance Losses by Dodge Vehicle Class and Size

Vehicle	Bodily Injury Insurance Losses
2010-2012 Large Pickup Dodge Ram 1500 crew cab	-4%
2016-2018 Large SUV Dodge Durango 4dr	3%
2016-2018 Very Large Minivan Dodge Grand Caravan	28%
2016-2018 Large Car Two-Door Coupe Dodge Challenger	35%
2014-2016 Small Car Four-Door Dodge Dart	51%
2016-2018 Midsize SUV Dodge Journey 4dr	55%
2016-2018 Large Car Four-Door Dodge Charger	67%

Based on the table, vehicles in the car class are more likely to encounter bodily injury insurance losses due to the high number of claims. The latest claims filed statistics show 2016-2018 Dodge Chargers with 67 percent more filed claims than the average. The 2010-2012 Dodge RAM had four percent fewer claims than average.

Despite the number of claims, bodily injury monthly rates appear to be affordable for Dodge vehicles. Below you’ll find a list of rates available for Dodge vehicles we’ve mentioned in the guide.

The coverage levels are the limits offered by a car insurance company. The higher the coverage level, the more money the policy will cover in case of an accident. In exchange for a higher coverage limit, policyholders will likely pay more in monthly rates.

The reason car insurance companies may issue more expensive rates to insure cars or other smaller vehicles is that they usually sustain most of the damage during a car accident. Large vehicles sustain less damage in an accident. Since most vehicles driven on the roadways are passenger cars, car insurers increase rates based on the high volume. SUV and pickups may garner cheaper rates because of the lower likelihood of bodily injury.

How does the size of a Dodge vehicle affect property damage liability car insurance rates?

Property damage is another component of liability coverage that is automatically attached to a customer’s policy. Just like bodily injury, car insurance companies offer cheaper rates for larger vehicles like large cars, SUV, and pickups. Bigger, heavier vehicles sustain less damage in accidents, and there are fewer larger vehicles on the roadway compared to passenger cars.

More vehicles could mean more claims filed with car insurance companies. How did Dodge do in terms of claims filed? Let’s take a look at property damage liability losses.

Is the Dodge Challenger a reliable car? Well, the number of claims filed was much lower than bodily injury, but some of the Dodge vehicles in the data were still worse than average. The Dodge Challenger and the Charger both had a higher number of claims than average, while the Dodge Durango, Dodge Grand Caravan, and Dodge RAM had the average amount of claims filed with car insurance companies.

Dodge has made strides to improve vehicle quality and safety, and new model Dodge vehicles have cheaper property damage liability rates than some of the older models. Let’s examine car insurance rates of older and new model Dodge vehicles to show how much they’ve changed.

The range for car insurance rates for property damage is relative to bodily injury. The trend continues with property damage rates being more expensive as a policyholder increases coverage level. For new vehicles, it would be wise to enroll in the highest coverage available.

What is the MSRP of Dodge vehicles?

Car insurance companies will determine your car insurance rate based on the value of your vehicle. Most dealers of new and used vehicles will use the Kelley Blue Book (KBB). KBB contains a database of motor vehicle cash values, also known as the manufacturer’s suggested retailed price (MSRP).

MSRP is the price the car manufacturer recommends the car dealer charge the customer for the vehicle.

The value of older vehicles is determined by the fair market range. The fair market range reflects the range of prices that KBB estimates most consumers will pay for a specific vehicle or what a dealer will sell it for.

These prices can ultimately affect how much policyholders will pay for car insurance coverage. In this section, we’ll explore how MSRP affects collision and comprehensive coverage. First, we’ll talk about the MSRP of Dodge vehicles.

So what will some of the popular Dodge vehicles go for? Let’s explore that in the summarized data below. For this table, we’ll list the MSRP and fair market range for the Dodge vehicles in the guide.

You should keep in mind that the MSRP is the least a manufacturer plans to charge you for the vehicle. Prices go up from there, so be prepared to negotiate wisely when purchasing a vehicle.

Generally, the Dodge brand has been reliable, but there are concerns about the continued reliability of its sedans. Time will prove the durability of Dodge’s reputation, and 2020 may give them the chance to prove durability due to tons of added safety features.

Regardless of what motorists’ expectations are, car insurance companies will want to make sure that all vehicles are insured. For newer vehicles or vehicles consumers have recently purchased, lenders and finance companies will require their customers to purchase a full coverage policy. Full coverage can ensure that a financed or leased vehicle will be covered by insurance regardless of who is at fault.

Some lenders and finance companies enroll a vehicle in force-placed insurance. Force-placed car insurance is when a lender enrolls a vehicle into a coverage plan just in case their customer’s policy doesn’t cover all the potential property damage costs.

We’ve seen a sample of coverage rates for property damage, which is a component of liability coverage. Liability is one of the general options for car insurance. The other options are collision and comprehensive coverage. For now, let’s examine the rates of Dodge vehicles by model year.

The Dodge Viper has the most expensive car insurance rate because it’s a luxury vehicle, but you may be able to offset the costs with discounts offered by your provider.

How does the MSRP of Dodge vehicles affect collision car insurance rates?

Collision coverage pays for property damage of a policyholder regardless of who is at fault in an accident. We’ll go over the collision coverages rates and frequency of claims in this section. Let’s start with the average collision rates for Dodge vehicles.

Again, the Dodge Viper has the highest collision rate due to its luxury classification. The 2010 Dodge RAM 1500 has the cheapest collision car insurance rate. This may be due to the model year of the vehicle, or it could be that the 2010 Dodge RAM is less likely to be involved in an accident.

We can determine that by the frequency of claims. Remember, the IIHS has summarized a review of car insurance losses by vehicle. Let’s examine collision insurance losses of popular Dodge vehicles.

Five out of seven Dodge vehicles have an average percentage for claims filed. The only two Dodge vehicles with a substantially worse frequency of claims are the 2016-18 Dodge Chargers and the 2016-18 Dodge Challengers. These vehicles are large passenger cars that are more likely to be involved in a car accident, according to claims data.

How does the MSRP of Dodge vehicles comprehensive car insurance rates?

Comprehensive coverage is much different from collision coverage.

Comprehensive car insurance pays for damages that don’t involve a collision.

That means any damage from things like fire, storms, falling objects, and even vehicle theft will be covered by comprehensive coverage. Comprehensive coverage is usually cheaper than many other car insurance options. However, this could change depending on the area in which you live. So how much are comprehensive coverage rates for popular Dodge vehicles? Let’s take a look at those rates in the table below.

The rates are indeed much cheaper than liability and collision coverage. Car insurance companies often offer discounts to policyholders who add comprehensive coverage to their policy, and drivers with older vehicles appear to pay cheaper rates, also.

Do Dodge vehicles have more frequent comprehensive claims than collisions? Frequency of claims can determine car insurance rates. Let’s see the percentage of claims car insurance companies dealt with for Dodge vehicles.

Once again, the Dodge Charger and Dodge Challenger have a frequency in claims filed that’s substantially worse than average, while the other Dodge vehicles have an average percentage of claims filed. The only Dodge vehicle that’s idling between average and worse than average claims filed is the Dodge Dart.

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What are the theft rates of Dodge vehicles?

Like many other makes out there, Dodge vehicles are targets for thieves. Sometimes, a motorist can do everything right and their car can still be stolen by a criminal. This short section will talk about the Dodge vehicles most affected by vehicle theft. In addition to listing the number of vehicle thefts, we’ll explain how vehicle theft can affect comprehensive coverage and what areas are more affected by vehicle theft.

Are Dodge Chargers expensive to insure, and why? Well, in part Dodge Charger insurance cost are higher because higher than average claims noted in previous sections, as well as the fact that they are frequently stolen.

According to the National Insurance Crime Bureau (NICB), the 2018 Dodge Charger ranked eighth in most 2018 models stolen in that year, with 719 vehicle thefts. However, the Dodge RAM pickup ranked ninth in most stolen vehicles in 2018 with over 11,000 vehicle thefts.

How do the theft rates of Dodge vehicles affect comprehensive car insurance rates?

When vehicle thefts increase, car insurance companies will encounter more claims. The frequency of claims will often cause insurers to increase comprehensive coverage rates.

Sometimes, rate increases are out of the policyholder’s control due to the location of their permanent address. Car insurance companies know that urban areas have a much higher rate of vehicle theft than rural areas. Areas known for higher crime rates have an increased risk for vehicle theft. Car insurance companies will take all this into consideration when setting your rate.

How much will it cost to repair my Dodge vehicle?

Repair and maintenance costs will vary based on the car shop a motorist goes to, the area where they live, and the number of hours it will take to fix the vehicle. Car insurance companies normally go with the most cost-efficient estimate. An estimate from a car repair shop in a Vermont city will be much different from an estimate from a Georgia car repair shop.

RepairPal reports that all Dodge vehicles have average car repair and maintenance costs. Here are the average repair and maintenance costs for Dodge vehicles:

You may be wondering why the Dodge Viper is the cheapest for repair and maintenance. Dodge Viper is a luxury vehicle and is normally a pleasure vehicle, which are vehicles car insurance companies and car repair shops recognize as those motorists don’t drive as much as daily commute vehicles. Vehicles like the Dodge Charger, Grand Caravan, Durango, and Dodge RAM are likely to be used more frequently on the roadways.

How does the cost of repairs affect collision and comprehensive car insurance rates?

When a policyholder or a third party files a claim, car insurance companies will require them to find at least three estimates for repair. Collision coverage will only pay for damages from collisions, so the policyholder must be operating their insured motor vehicle at the time the damage is incurred to be eligible to file a claim. Comprehensive coverage dictates that the policyholder must have incurred the damage from an outside source other than a collision.

Other Car Insurance Coverage Rates for Dodge Vehicles

This section will talk about other types of insurance coverage that a driver may add to their policy. Personal injury protection and medical payments are two coverage types that are required in some states and optional in other states. They’re often referred to as additional liability coverages or double coverage options.

Could personal injury protection and medical payments be affected by safety ratings? Continue through this section to find the answer.

How do safety ratings of Dodge vehicles affect Personal Injury Protection (PIP) car insurance rates?

Before we look at how safety ratings affect personal injury protection or PIP, let’s talk about what it is. PIP is additional liability coverage that pays for bills and fees that relate to losses not covered by bodily injury coverage such as lost wages, child care, and lawyer fees.

We’ve seen the safety ratings for Dodge vehicles from the NHTSA and IIHS. Let’s take a look at the claim frequency for this type of coverage.

The Dodge RAM had the lowest frequency in claims filed and was substantially better than average, while vehicles like the Dodge Dart, Charger, and Journey were substantially worse than average in claims filed. Despite the good safety ratings, some vehicles still had higher than average claims.

How do safety ratings of Dodge vehicles affect Med Pay car insurance rates?

Medical payments or Med Pay is much different from PIP. Med Pay specifically pays for medical bills and other medical-related fees. It’s a very specific additional liability that is less comprehensive than PIP. However, it will pay for the medical bills of drivers and passengers alike.

Do safety ratings affect the frequency of Med Pay claims? Let’s look at the IIHS summary of Med Pay data below.

The Dodge RAM had the lowest frequency in claims filed. Car insurance companies saved money when insuring Dodge RAMs from 2010 to 2012. Dodge vehicles that had higher than average claims filed were the Dodge Challenger and Dodge Grand Caravan. The vehicles that were substantially worse than average were the Dodge Charger, Dodge Dart, and the Dodge Journey.

Furthermore, insurance rates vary from state to state, so moving is an excellent time to check your insurance premiums. Companies when it comes to credits and incentives, too, so it’s worth checking.

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What are the safety features of Dodge vehicles?

Car insurance companies often issue discounts for policyholders who have several safety features installed in their vehicles. Safety features are built into the car to decrease the chances of a car accident or vehicle theft. These features may also increase the value of the car. It’s an investment for the long-term and a money saver for car insurance companies and policyholders alike.

Let’s look at some safety features of Dodge vehicles.

Airbags create a cushion in case of a car accident, while pretensioners secure passengers in their seats. Anti-lock brakes reduce hard braking, and anti-whiplash keeps drivers and passengers secure during the force of an accident. Finally, security systems are designed to deter vehicle thieves.

As we continue through this section, we’ll take a deeper look at safety by comparing the death rate per million registered vehicles. We’ll look at the numbers by vehicle class and vehicle size. Before we talk about death rates, we’ll discuss the safety ratings of some popular Dodge vehicles.

What are the safety ratings of Dodge vehicles?

Safety ratings can help car shoppers make decisions on which vehicle is right for them. These car insurance safety ratings come after the conclusion of crash tests. Notable organizations such as the National Highway Traffic Safety Association (NHTSA) and IIHS host crash tests and administer a score based on their organizations’ standards.

First, let’s examine the NHTSA safety ratings for the Dodge vehicles mentioned in this guide.

Overall, the Dodge vehicles in the data table have excellent NHTSA safety ratings. Some of the values are missing because the NHTSA decided to omit the results in their reporting.

What do IIHS safety ratings look like for the same Dodge vehicles? Are they judged as safe vehicles? Let’s look at IIHS safety ratings and see.

The Dodge Viper didn’t have any safety ratings available, but other Dodge vehicles did have safety ratings from the IIHS. Their reviews of Dodge vehicle safety are good overall. Only one marginal rating was given, which was for the 2010 Dodge RAM 1500.

Here’s a crash test video of one of the Dodge vehicles, provided by the IIHS.

The damage was extensive, but the test proved that a person in the vehicle has a high chance of survival after a collision. Let’s take a look at another video.

The Dodge Durango had the same results in keeping the front cargo areas secure. Not to say that the vehicles are 100 percent safe, but the video is proof that the Dodge Durango has a better chance than most vehicles of keeping occupants safe.

How does the safety of Dodge vehicles compare to other vehicles with the same size and class?

The best way we can compare the safety of each size and class of vehicle is to look at the number of deaths and death rates per million registered vehicles. Normally, we’d include three data tables for our readers. However, this article includes several Dodge vehicles. Each has a different vehicle type, so we will address the number of deaths and death rates by vehicle class and vehicle size starting with the car class.

The category of cars includes any passenger car or van. The largest number of registered vehicles are midsize cars, but small cars had the highest number of deaths. The car size with the highest death rate per million registered vehicles is mini-sized cars.

What about SUV? Like the information before, the IIHS provided a summary of the total number of registered SUV in the U.S. Let’s see how many SUV were involved in fatal accidents.

Small SUV saw the most fatalities at 212 deaths and 27 deaths per million registered vehicles. Midsize SUV had the highest number of vehicles registered.

Finally, let’s look at some of the deaths among pickup trucks.

Pickups have the smallest number of registered vehicles, but their deaths per million are on par with the other vehicles. Pickups had higher death rates than SUV; the death rate per million registered large pickups was greater than that of large SUV by a rate of 17.

Each fatal crash had a point of impact, which the IIHS summarized in their research. For your convenience, we’ve included that research within our guide. In the table below, you’ll see what type of crash is most likely to occur based on vehicle class.

Car occupants were most likely to be involved in fatal crashes. The type of crash most likely to be fatal is a frontal impact crash, while rear-impact crashes were least likely to be fatal. The category featuring the fewest deaths overall was rear crashes from pickup vehicles.

Let’s take a step back and look at these categories with a wider lens by going over the numbers from a 10-year stretch.

Each vehicle class witnessed a spike and a fall in the number of deaths. Because crashes are unpredictable, the numbers continuously fluctuate. Consistent increase and decreases in death rates may affect car insurance rates. These numbers reflect the number of occupants per million registered vehicles, not the total number of occupant deaths.

The History of Dodge Chrysler

Dodge began in 1914 when two brothers, Horace and John Dodge, founded the Dodge Brothers Motor Vehicle Company. They started with a touring car and later added a roadster and then a four-door sedan. The Dodge Brothers expanded to trucks by 1917, and Dodge vehicles served as military staff cars and ambulances during World War I.

In 1928, Dodge was sold to the Chrysler Corporation and gradually became responsible for Chrysler’s trucks and performance-oriented vehicles. Buyers often upgraded the engine to a 426-cubic-inch, 425 hp Hemi V8 engine, adding power and speed to the car.

Here’s a list of Dodge models currently popular in the U.S.:

• Dodge Viper — Latest Model Year, 2017
• Dodge Challenger — Latest Model Year, 2020
• Dodge Charger — Latest Model Year, 2020
• Dodge Dart — Latest Model Year, 2016
• Dodge Durango — Latest Model Year, 2020
• Dodge Journey — Latest Model Year, 2020
• Dodge Grand Caravan — Latest Model Year, 2020
• Dodge RAM — Latest Model Year, 2010

The Dodge Dart and Dodge Viper were both discontinued before 2018, but the vehicles continued to sell even after production had ended. The Dodge Viper YTD sales were 9,067 vehicles from 2005 to 2019. The total number of sales in 2019 for all Dodge vehicles was 422,882. The Dodge RAM, however, which is its own separate brand, sold 633,694 vehicles in 2019 alone.

What about other popular Dodge vehicles? We’ve summarized the YTD numbers in a short data table.

Let’s continue through the guide to discover factors that can determine car insurance costs for your Dodge motor vehicle.

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Dodge Car Insurance FAQs

#1 – How much does insurance go up for a sports car?

Flashy sports cars come with expensive insurance rates. Sports cars also attract many young drivers, which increases sports car insurance costs. For example, Dodge Challenger insurance for an 18-year-old will probably have more expensive insurance rates than Dodge Challenger insurance for a 25-year-old.

#2 – Is Dodge car insurance higher for males or females?

Car insurance companies are often more likely to charge higher car insurance rates for male drivers, with teenage males paying the most expensive rates. Dodge Challenger insurance rates for a 19-year-old boy will be higher than Dodge Challenger insurance rates for a 21-year-old woman.

#3 – Which is the safest Dodge vehicle?

That would be a matter of a motorist’s opinion. Of course, we can look at the death rates by class and Dodge vehicle to determine which has the fewest deaths to get our answer, and in that case, a pickup truck is likely your best choice.

Getting accurate quotes online requires entering your Social Security numbers and other specific information, such as your VIN. Online quotes can give you an idea of the general costs for a particular car and individual.

Always comparison shop for insurance as carefully as you do for a car, a home, or any other large purchase. Over the years, insurance costs add up, so you want to make sure you’re getting the best possible deal.

The easiest way to search for Dodge car insurance is through our FREE comparison tool below. Simply enter your ZIP code to get started.

#4 – Why isn’t there a 2020 Dodge RAM?

The RAM brand is a car brand by itself. After 2011, RAM became independent with its pickup truck line, known as RAM 1500, RAM 2500, and others.

#5 – How much is insurance on a Dodge Demon?

The Demon can be very expensive to insure. On average, you can expect to pay in the range of $665 per month in car insurance.

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