Dodge car insurance: What are the cheapest Dodge models to insure?

For generations, Dodge has been manufacturing in-demand vehicles for many different types of buyers. From offering sporty muscle cars like the Challenger and Charger to boasting family-friendly safe SUVs like the Durango to providing rugged trucks like the Ram, Dodge continues to innovate and inspire.

But if you are in the market for a new Dodge auto, you’re probably wondering how much you can expect to pay for car insurance. The good news is that many Dodge models are relatively affordable to insure.

In fact, the national average annual premium car insurance cost for all Dodge models combined is $1,844, based on rates for a 40-year-old male with full coverage. Many will pay much less than this without skimping on coverage.

Before heading to the dealer showroom, learn more about the cost of car insurance on new Dodge vehicles so that you can anticipate what to budget.

Dodge car insurance cost by model

Dodge sells a variety of different new vehicles to choose from in 2021. The car insurance premium costs for each of these models will vary.

“The body type and class of any given vehicle matter more to its cost to insure than its make. Because Dodge has a diverse vehicle lineup, they aren’t inordinately expensive to insure across the board,” says Brian Martucci, finance editor for Money Crashers.

Still, some models are pricier to insure than others.

“For instance, a 2021 Dodge Charger will be more expensive to insure than a brand new Kia Spectra,” says Lauren McKenzie, an insurance broker with Learnandserve.org Powered by A Plus Insurance.

“Typically, sports cars will cost more for car insurance because the costs of parts for those vehicles are higher than others and safety features may not be as great as others, resulting in a larger amount of accidents for these types of cars. The cost to insure vehicles also depends upon the individual – the lower the risk for the individual, such as no violations, continuous insurance, being a homeowner, and being married, the cheaper the insurance will be.”

Take a look at the national average rates for annual insurance premiums on different Dodge models for 2021:

As you can see, the range in premium costs is wide, with sportier models proving more expensive to insure.

Dodge Charger car insurance costs

Want to put more pep and power into your ride and turn a few heads in the process? A 2021 sporty Dodge Charger sedan will do the job. The 2021 Charger is sold in six trim levels: SXT, GT, R/T, Scat Pack, SRT Hellcat, and SRT Hellcat Redeye.

Prices span from $29,995 to $69,995, depending on trim package. Count on a 5-star NHTSA safety rating and mostly good ratings from IIHS.

Expect to spend around $2,262 annually to insure a 2021 Dodge Charger.

Car insurance cost for a used Dodge Charger

Compare the 2021 national average rate for a Charger ($2,262) to what drivers pay for the models between 2017 and 2020: $2,350 and $2,310. This is one of the few sporty cars for which insurance premiums slightly dropped between 2020 and 2021.

A new Dodge Charger is most expensive to insure in states like Louisiana, Kansas, California, Florida, and Georgia, and less expensive in New Hampshire, Iowa, Illinois, Indiana, and Maine.

Dodge Challenger insurance costs

One of the most popular and crowd-pleasing cars ever made by Dodge is the fast and muscular Challenger, which made its debut in 1970 and enjoyed a triumphant return in 2008.

This four-door sedan is available in seven trim packages: SXT, GT, R/T, Scat Pack 392, Scat Pack 392 Widebody, SRT Hellcat Redeye, and SRT Hellcat Redeye Widebody.

Depending on the trim level, it comes with a V-6 or V-8 engine and retails between $32,130 and $96,015 – quite a span. Drivers enjoy a 5-star NHTSA safety rating and marginal to good IIHSA safety ratings.

Dodge Challenger insurance is, on average, $2,458 per year.

Car insurance cost for a used Dodge Challenger

The 2021 national average for Dodge Challenger insurance is up from the $2,190 you would pay for a 2017 model but down from the $2,783 it would cost you for the 2020 model.

Washington DC, Louisiana, Michigan, and Texas are among the states where it’s most expensive to insure this vehicle, while Illinois, Iowa, Indiana, Ohio, Maine, and Wisconsin are among the states where it’s cheaper.

Dodge Durango auto insurance costs

Like SUVs but also need a reliable and rugged family automobile? Consider a 2021 Dodge Durango, which can be had in six trim levels: SXT, GT, R/T, Citadel, SRT 392, and SRT Hellcat, with a V-6 or V-8 engine included.

“These vehicles feature spacious and comfortable seats, and reliability is rated above average. The overall quality, cargo space, seating, and navigation system is rated very well, too,” says McKenzie.

A new Durango will set you back between $34,865 and $92,495, based on the trim level you choose. It gets a 4-star NHTSA safety rating and mostly good IIHS safety ratings.

Across the country, the average annual car insurance premium cost to insure a new Durango is $1,613.

Auto insurance cost for a used Dodge Durango

Buying a used model Durango won’t save you on car insurance. In fact, it will actually cost you. The 2017-2020 models range from $1,644 to $1,719, up from the 2021 national average of $1,613.

It’s a lot less expensive to insure in many Midwestern states and Maine but more costly in California, Washington DC, Florida, and Louisiana, among other places.

Dodge Ram auto insurance costs

Got your heart set on a full-size pickup truck? A 2021 Dodge Ram 1500 could be just the ticket.

“The cabin is spacious with extra legroom, and the ride is smooth,” says McKenzie, noting that the Ram is currently offered in a V-6 diesel or V-8 engine. “The new Ram has overall a great safety rating from NHTSA and high customer reviews.”

The 2021 Dodge Ram 1500 comes in nine different trim packages to select from. Count on paying between $37,595 and $85,665, depending on your trim level chosen.

The national average car insurance premium for a 2021 Dodge Ram 1500 is $1,773 per year.

Auto insurance cost for a used Dodge Ram

If you go for a 2017 or 2018 model Ram, you might save a few dollars on car insurance but it will be just that, a few dollars. The 2019 and 2020 models cost a bit more than the 2021 model to insure, ranging from $1,780 to $1,819 annually.

As usual, expect to pay much less to cover this vehicle in many Midwestern states and Maine but more than the national average in California, Washington DC, Michigan, Louisiana, and other states.

How to budget and save on Dodge car insurance

The bottom line? It’s smart to do your homework before heading to the dealer and choosing a brand-new or used vehicle so that you know what to anticipate when it comes to Dodge car insurance costs.

“Overall, the Dodge Durango and Dodge Ram will likely be the most affordable to insure for both low-risk and high-risk customers,” McKenzie notes.

“If you are a younger driver, you will probably pay more for auto insurance, so you may need to consider practicality versus style. 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.”

Prior to committing to a vehicle, estimate your car insurance costs and then shop around 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,” recommends McKenzie. “Also, consider leaving off additional coverages like rental reimbursement or roadside assistance, which may save you money, too.”

Erik Martin

Contributing Researcher

Erik J. Martin is a Chicago area-based freelance writer whose articles have been published by AARP The Magazine, The Motley Fool, The Costco Connection, USAA, US Chamber of Commerce, Bankrate, The Chicago Tribune, and other publications. He often writes on topics related to insurance, real estate, personal finance, business, technology, health care, and entertainment. Erik also hosts a podcast and publishes several blogs, including Martinspiration.com and Cineversegroup.com.