If you’re planning to purchase a new vehicle, it’s important to include the car insurance cost in your overall budget.
According to CarInsurance.com’s rate analysis, the average annual cost for Dodge car insurance is $3,050 or $254 per month. Remember that your specific rates may vary depending on the Dodge model you choose, the model year, your age, your driving history and the insurer.
- The annual average nationwide cost of full coverage car insurance for Dodge is $3,050 per year.
- The Hornet is the cheapest Dodge model to insure.
- Advanced safety features that come standard on Dodge models help lower your insurance costs.
Average cost of car insurance for a Dodge, by company
Car insurance premiums vary greatly depending on the vehicle’s make. For example, insurance rates differ from one insurer to another because companies use different parameters to assess risk and estimate the likelihood of a claim. Insurers consider factors such as your driving history, location, age and the type of vehicle you drive to calculate insurance rates.
The table below shows Dodge car insurance rates by insurance company.
Cost to insure a Dodge, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Travelers | $2,164 | $1,082 | $180 |
| GEICO | $2,649 | $1,325 | $221 |
| Progressive | $2,759 | $1,380 | $230 |
| State Farm | $2,782 | $1,391 | $232 |
| Nationwide | $2,894 | $1,447 | $241 |
| Allstate | $3,736 | $1,868 | $311 |
| Farmers | $4,005 | $2,002 | $334 |
| USAA | $2,292 | $1,146 | $191 |
Dodge average insurance rates, by model
Dodge Hornet car insurance cost
Car insurance cost for a Dodge Hornet is $218 per month or $2,617 a year, based on CarInsurance.com’s rate analysis. GEICO offers the most affordable car insurance rates for a Dodge Hornet at an average monthly cost of $173 or $2,078 yearly.
Dodge Hornet Hybrid car insurance cost
The average car insurance premium for Dodge Hornet Hybrid is $240 per month, which translates to $2,881 per year. The most affordable company for a Dodge Hornet Hybrid is Travelers with a rate of $171 monthly or $2,057 per year.
Dodge Durango car insurance cost
The average car insurance premium is $244 per month, which adds up to $2,927 each year for a Dodge Durango. Travelers is the cheapest car insurance company, with a monthly rate of $177 , which translates to an annual cost of $2,123 .
Dodge Charger Daytona EV car insurance cost
The monthly car insurance cost for a Dodge Charger Daytona EV is $337 , which translates to $4,044 annually. Progressive tops the list of the most affordable car insurance companies, with an average cost of $1,786 a year or $149 per month.
Dodge Durango SRT Hellcat car insurance cost
The average monthly car insurance premium for a Dodge Durango SRT Hellcat is $339 , which totals $4,062 annually. Travelers offers the cheapest rate at $178 per month or $2,136 annually.
Insurance rates by car model
The average cost of car insurance for a Dodge, by driver age
Your age is an important rating factor in determining your Dodge car insurance premiums. Young drivers often pay the highest car insurance rates because of their inexperience behind the wheel. On the other hand, adult drivers pay affordable premiums for the same coverage.
According to a study by the Insurance Information Institute, in 2020, young drivers represented just 5.1% of all licensed drivers but were involved in 8.5% of fatal crashes. This data highlights that young drivers are more frequently involved in accidents, leading to increased claims.
Additionally, teens tend to engage in riskier driving behavior compared to older drivers, contributing to higher insurance costs.
Car insurance costs generally decrease as drivers gain more experience and avoid getting tickets and filing claims. However, when drivers turn 60, insurance rates tend to rise again. The tables below show Dodge insurance costs based on the driver’s age.
Cost to insure a Dodge, by model, for 18-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 18 | Dodge Charger Daytona EV | $12,812 | $6,406 | $1,068 |
| 18 | Dodge Durango | $9,524 | $4,762 | $794 |
| 18 | Dodge Durango SRT Hellcat | $13,251 | $6,625 | $1,104 |
| 18 | Dodge Hornet | $8,498 | $4,249 | $708 |
| 18 | Dodge Hornet Hybrid | $9,311 | $4,656 | $776 |
Cost to insure a Dodge, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Dodge Charger Daytona EV | $4,044 | $2,022 | $337 |
| 40 | Dodge Durango | $2,927 | $1,463 | $244 |
| 40 | Dodge Durango SRT Hellcat | $4,062 | $2,031 | $339 |
| 40 | Dodge Hornet | $2,617 | $1,309 | $218 |
| 40 | Dodge Hornet Hybrid | $2,881 | $1,440 | $240 |
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Dodge car insurance rates by state
When it comes to car insurance, your location plays a significant role in determining your insurance premiums. Dodge car insurance rates vary significantly from one state to another due to factors such as traffic conditions, accident rates, theft/vandalism, weather events and state-specific insurance laws. Find below Dodge car insurance rates by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,836 | $1,418 | $236 |
| Alabama | $2,543 | $1,272 | $212 |
| Arkansas | $3,356 | $1,678 | $280 |
| Arizona | $3,199 | $1,599 | $267 |
| California | $3,696 | $1,848 | $308 |
| Colorado | $3,592 | $1,796 | $299 |
| Connecticut | $3,483 | $1,741 | $290 |
| Washington, D.C. | $3,976 | $1,988 | $331 |
| Delaware | $3,401 | $1,701 | $283 |
| Florida | $3,700 | $1,850 | $308 |
| Georgia | $3,213 | $1,607 | $268 |
| Hawaii | $1,836 | $918 | $153 |
| Iowa | $2,663 | $1,331 | $222 |
| Idaho | $2,022 | $1,011 | $169 |
| Illinois | $2,512 | $1,256 | $209 |
| Indiana | $2,066 | $1,033 | $172 |
| Kansas | $3,008 | $1,504 | $251 |
| Kentucky | $3,560 | $1,780 | $297 |
| Louisiana | $5,207 | $2,603 | $434 |
| Massachusetts | $2,444 | $1,222 | $204 |
| Maryland | $3,302 | $1,651 | $275 |
| Maine | $1,932 | $966 | $161 |
| Michigan | $4,059 | $2,029 | $338 |
| Minnesota | $2,859 | $1,430 | $238 |
| Missouri | $2,961 | $1,481 | $247 |
| Mississippi | $3,345 | $1,673 | $279 |
| Montana | $2,825 | $1,412 | $235 |
| North Carolina | $2,621 | $1,311 | $218 |
| North Dakota | $2,439 | $1,219 | $203 |
| Nebraska | $3,101 | $1,550 | $258 |
| New Hampshire | $2,022 | $1,011 | $169 |
| New Jersey | $3,483 | $1,742 | $290 |
| New Mexico | $2,966 | $1,483 | $247 |
| Nevada | $3,986 | $1,993 | $332 |
| New York | $3,377 | $1,689 | $281 |
| Ohio | $1,992 | $996 | $166 |
| Oklahoma | $3,394 | $1,697 | $283 |
| Oregon | $2,585 | $1,293 | $215 |
| Pennsylvania | $3,031 | $1,516 | $253 |
| Rhode Island | $3,286 | $1,643 | $274 |
| South Carolina | $3,636 | $1,818 | $303 |
| South Dakota | $3,416 | $1,708 | $285 |
| Tennessee | $2,710 | $1,355 | $226 |
| Texas | $3,583 | $1,792 | $299 |
| Utah | $2,357 | $1,179 | $196 |
| Virginia | $2,547 | $1,274 | $212 |
| Vermont | $2,002 | $1,001 | $167 |
| Washington | $2,573 | $1,286 | $214 |
| Wisconsin | $2,907 | $1,454 | $242 |
| West Virginia | $2,644 | $1,322 | $220 |
| Wyoming | $2,218 | $1,109 | $185 |
Average car insurance cost for different vehicle makes
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To find affordable Dodge car insurance rates, you should opt for a family-friendly vehicle like a small SUV. These models usually include advanced safety features, have smaller engines and are driven by people with children in the car. This makes them more cautious drivers, leading to fewer accidents.
Safety features like airbags, backup cameras, automatic emergency braking and lane departure warnings play a significant role in keeping insurance premiums low. Minivans and compact to midsize SUVs continue to top the list of the most affordable cars to insure.
Pickups and commercial vans usually cost less to insure than sedans and other vehicles. This is because they aren’t equipped with costly electrical and safety components, making them less expensive to repair.
Cheapest Dodge models to insure
Opting for smaller, less costly Dodge models with modest engines can result in lower insurance costs than choosing sportier or upscale models. Base versions tend to be the most affordable to insure, but premiums increase as you upgrade to higher-level trims.
Choosing family-friendly models with robust safety features can help lower your insurance costs. Advanced safety technologies like automatic emergency braking, a backup camera and blind spot detection often lead to premium discounts.
“If you are a younger driver, you will probably pay more for auto insurance, so you may need to consider practicality versus style,” says Lauren Mckenzie, independent broker/agent with A Plus Insurance. “If you are younger and you choose a fast, luxurious sports car, your monthly insurance payments could end up being more than your monthly auto loan payments.”
Most expensive Dodge models to insure
Luxury vehicles and sports cars typically rank among the most expensive vehicles to insure. Luxury cars and sports models often come with higher premiums due to their increased theft risk and higher repair or replacement costs. Meanwhile, larger SUVs can also result in higher insurance rates because of their potential to cause more damage in an accident.
If you’re planning to reduce your insurance expenses, try to avoid these types of vehicles:
- EVs: Electric vehicles (EVs) come with large, costly batteries, which can make them more expensive to insure. Battery packs can cost up to $20,000 to replace, so insurers factor this risk into your premium.
- Luxury and sports cars: Insurers view luxury and sports cars as higher risk due to their hefty price tags. With big engines and exclusive features, these vehicles are costly to repair or replace, which leads to higher insurance premiums.
- Favorites of thieves: Insurance companies diligently analyze theft data to assess risk. Owning a vehicle that ranks high on thieves’ lists can lead to increased insurance premiums. Each year, the National Insurance Crime Bureau (NICB) releases a list of the most targeted cars by thieves. By selecting a vehicle that isn’t frequently stolen, you can potentially reduce your insurance expenses.
How to save on car insurance for a Dodge
“Shop around for quotes from multiple insurers. Also, investigate group auto insurance that may be available from your employer,” says Brian Martucci, finance editor for Minneapolis-based Money Crashers.
Additionally, drop insurance coverage you don’t need, especially if you want to purchase an older vehicle model.
“You can shift money from one type of coverage to additional coverage on the uninsured motorist property damage coverage, for example. This way, so long as you are not the one at fault in an accident, your vehicle will be covered and you will save a lot of money on car insurance,” Mckenzie says.
Before committing to a vehicle, estimate your car insurance costs and shop for the best value. Compare quotes from different insurance companies carefully.
“If your car insurance payments are still on the higher end, consider choosing a higher deductible, such as $1,000 instead of a $500 deductible – which will lower your premium,” Mckenzie says. “Also, consider leaving off additional coverages like rental reimbursement or roadside assistance, which may save you money, too.”
Dodge discounts on car insurance
One way to save money on your Dodge insurance is to make sure that all available discounts are being applied to your policy. Insurers offer a variety of discounts that can dramatically lower your premium.
Discounts may be related to the vehicle you drive or your personal factors. Insurance companies typically offer a discount for a vehicle loaded with advanced safety features such as automated emergency braking, lane departure warning and driver alertness monitor.
You may be able to save money by installing an anti-theft device or driving a brand-new car, as some insurers offer discounts for new vehicles. Personal factors, such as being a good driver or a good student (if you have a teen on your policy), can also lead to significant discounts.
“You may also qualify for a low-mileage discount by driving less and by bundling multiple policies, like home and auto, with the same carrier,” Martucci says.
Learn about common car insurance discounts for an overview of the most common savings for Honda auto insurance.
How does a car’s make affect car insurance rates?
Curious how much is Dodge insurance? It will depend on which model you choose. Dodge builds a variety of different vehicles and the cost to insure them will vary depending on the vehicle type.
Smaller SUVs and minivans are among the least expensive vehicles to insure, while luxury models and sporty sedans come with higher insurance costs. Pickup trucks generally fall on the more affordable side of insurance rates-unless you opt for luxury trim levels.
Insurance companies analyze extensive statistical data, which shows that vehicles popular among families-like SUVs and minivans-are involved in fewer accidents and file fewer claims compared to sedans and sports cars. This is one reason they come with lower insurance costs. On the other hand, luxury vehicles and sports cars are packed with high-end materials and advanced technology, increasing repair expenses and, consequently, insurance premiums.
Remember to compare apples to apples when it comes to insurance quotes for different vehicle types. A luxury sedan will always cost more to insure than a minivan or mid-size SUV, so when comparing insurance quotes, be sure to compare the same vehicle types and coverage limits.
This same approach is essential when comparing vehicles from different brands. A luxury German sedan, like a BMW or Mercedes, typically incurs higher insurance costs compared to a minivan or compact car from a different brand. Always make sure you’re comparing similar vehicle types and trim levels when considering a new vehicle or insurance policy.
Check out car insurance rates by model: Compare rates for over 3,000 models
About the company: Dodge
Dodge, an American brand, has been a prominent player in the automobile industry since its inception in 1900 by the Dodge Brothers, John and Horace. Over the decades, Dodge has consistently pushed the boundaries, producing iconic vehicles like the Dodge Challenger and Dodge Ram, which remain popular among car enthusiasts.
Final thoughts on Dodge insurance costs
Dodge offers a diverse lineup of models, and the cost to insure them varies based on several factors. Choosing an entry-level vehicle with a low MSRP, smaller engine and various safety features can help keep your insurance premiums affordable. On the other hand, choosing luxury or sporty models will typically increase the cost of coverage.
Shopping your coverage on a regular basis, asking for discounts and choosing the highest deductible you can easily afford are all great ways to save money on your coverage regardless of which Dodge model you drive off the lot.
Frequently asked questions
Does my driving record impact how much I pay to insure my Dodge?
Your driving record is important in determining your Dodge’s insurance premium. Generally, a clean driving history results in lower rates, while incidents such as accidents, speeding violations, or DUI charges can significantly raise your premium.
Does the color of my Dodge affect the insurance premium?
The color of your Dodge does not influence your insurance premium. Insurance companies determine rates based on factors such as the model, age, safety features and driving history, but vehicle color has no impact on the cost.
How does the age of my Dodge affect insurance costs?
The age of your Dodge can affect your insurance costs. Generally, older models may come with lower premiums due to depreciation, although they might lack modern safety features, which can lead to slightly higher rates. In contrast, newer models typically have higher premiums because they are more costly to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed March 2026.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed March 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 18 and 40-year-old male drivers carrying full coverage policies with limits of 100/300/100 and 0 collision and comprehensive deductibles. Read the detailed methodology for more information.
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