If you’re in the market for a new vehicle, you must factor the cost of car insurance into your car budget. Interested in how much car insurance for a Dodge costs? Here’s what you need to know.
On average, Dodge car insurance costs an average of $2,604 a year or $217 monthly, based on CarInsurance.com’s rate analysis. Your exact rates may vary based on the Dodge model you drive, model year, your age, driving history and the insurance company you choose.
- The annual average nationwide cost of full coverage car insurance for Dodge is $2,604 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 can differ significantly based on the make of the vehicle. For instance, car insurance rates vary from one insurance company to another because each company uses its formula to calculate risk and estimate the likelihood of a claim being filed, considering factors such as your driving record, location, age and the type of vehicle you drive.
See how car insurance rates for Dodge vehicles compare among different insurers in the table below.
Cost to insure a Dodge, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| State Farm | $2,226 | $1,113 | $185 |
| Progressive | $2,273 | $1,137 | $189 |
| Geico | $2,315 | $1,157 | $193 |
| Nationwide | $2,446 | $1,223 | $204 |
| Farmers | $3,180 | $1,590 | $265 |
| Allstate | $3,296 | $1,648 | $275 |
Dodge average insurance rates, by model
Dodge Hornet car insurance cost
Car insurance cost for a Dodge Hornet is $204 per month or $2,452 a year, based on CarInsurance.com’s rate analysis. State Farm offers the most affordable car insurance rates for a Dodge Hornet at an average monthly cost of $169 or $2,024 yearly.
Dodge Durango car insurance cost
The average monthly car insurance premium for a Dodge Durango is $207 or $2,482 annually. State Farm is the most affordable company for a Dodge Durango owner, offering insurance at a monthly rate of just $175 or $2,102 per year.
Dodge Hornet Hybrid car insurance cost
The average car insurance premium for Dodge Hornet Hybrid is $228 per month, which translates to $2,741 per year. The most affordable company for a Dodge Hornet Hybrid is State Farm with a rate of $193 monthly or $2,317 per year.
Dodge Durango SRT 392 car insurance cost
The average car insurance premium for Dodge Durango SRT 392 is $260 per month, which translates to $3,125 per year. The most affordable company for a Dodge Durango SRT 392 is Progressive with a rate of $200 monthly or $2,405 per year.
Dodge Durango SRT Hellcat car insurance cost
The average monthly car insurance premium for a Dodge Durango SRT Hellcat is $304, which totals $3,652 annually. Progressive offers the cheapest rate at $217 per month or $2,601 annually.
Insurance rates by car model
The average cost of car insurance for a Dodge, by age
The cost of Dodge car insurance can vary based on your age. Generally, young drivers face significantly higher premiums compared to those with more driving experience.
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.
The cost of car insurance starts to drop as drivers gain more experience and stays pretty level, assuming no tickets, claims or accidents until the age of 60 when rates start to rise.
In the tables below, see how much it costs to insure a Dodge by 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 Durango | $9,049 | $4,525 | $754 |
| 18 | Dodge Durango SRT 392 | $11,174 | $5,587 | $931 |
| 18 | Dodge Durango SRT Hellcat | $13,170 | $6,585 | $1,097 |
| 18 | Dodge Hornet | $8,995 | $4,497 | $750 |
| 18 | Dodge Hornet Hybrid | $9,905 | $4,953 | $825 |
Cost to insure a Dodge, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Dodge Durango | $2,482 | $1,241 | $207 |
| 40 | Dodge Durango SRT 392 | $3,125 | $1,562 | $260 |
| 40 | Dodge Durango SRT Hellcat | $3,652 | $1,826 | $304 |
| 40 | Dodge Hornet | $2,452 | $1,226 | $204 |
| 40 | Dodge Hornet Hybrid | $2,741 | $1,371 | $228 |
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 | $2,424 | $1,212 | $202 |
| Alabama | $2,450 | $1,225 | $204 |
| Arkansas | $2,736 | $1,368 | $228 |
| Arizona | $2,481 | $1,240 | $207 |
| California | $3,166 | $1,583 | $264 |
| Colorado | $3,437 | $1,718 | $286 |
| Connecticut | $2,727 | $1,364 | $227 |
| Washington, D.C. | $3,036 | $1,518 | $253 |
| Delaware | $2,610 | $1,305 | $218 |
| Florida | $3,195 | $1,597 | $266 |
| Georgia | $3,337 | $1,668 | $278 |
| Hawaii | $1,708 | $854 | $142 |
| Iowa | $2,281 | $1,140 | $190 |
| Idaho | $1,667 | $833 | $139 |
| Illinois | $2,528 | $1,264 | $211 |
| Indiana | $2,302 | $1,151 | $192 |
| Kansas | $2,751 | $1,375 | $229 |
| Kentucky | $3,191 | $1,595 | $266 |
| Louisiana | $4,353 | $2,176 | $363 |
| Massachusetts | $2,435 | $1,218 | $203 |
| Maryland | $2,471 | $1,235 | $206 |
| Maine | $1,810 | $905 | $151 |
| Michigan | $3,423 | $1,712 | $285 |
| Minnesota | $2,861 | $1,430 | $238 |
| Missouri | $3,242 | $1,621 | $270 |
| Mississippi | $2,624 | $1,312 | $219 |
| Montana | $2,739 | $1,369 | $228 |
| North Carolina | $2,480 | $1,240 | $207 |
| North Dakota | $2,269 | $1,135 | $189 |
| Nebraska | $2,821 | $1,410 | $235 |
| New Hampshire | $1,963 | $981 | $164 |
| New Jersey | $2,418 | $1,209 | $202 |
| New Mexico | $2,627 | $1,314 | $219 |
| Nevada | $2,446 | $1,223 | $204 |
| New York | $1,905 | $953 | $159 |
| Ohio | $1,810 | $905 | $151 |
| Oklahoma | $2,776 | $1,388 | $231 |
| Oregon | $2,334 | $1,167 | $194 |
| Pennsylvania | $2,691 | $1,346 | $224 |
| Rhode Island | $3,131 | $1,566 | $261 |
| South Carolina | $2,554 | $1,277 | $213 |
| South Dakota | $3,236 | $1,618 | $270 |
| Tennessee | $2,648 | $1,324 | $221 |
| Texas | $3,754 | $1,877 | $313 |
| Utah | $2,085 | $1,043 | $174 |
| Virginia | $1,822 | $911 | $152 |
| Vermont | $1,818 | $909 | $152 |
| Washington | $2,194 | $1,097 | $183 |
| Wisconsin | $1,980 | $990 | $165 |
| West Virginia | $2,402 | $1,201 | $200 |
| Wyoming | $2,718 | $1,359 | $226 |
Average car insurance cost for different vehicle makes
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If you’re looking for affordable Dodge car insurance, it’s wise to choose vehicles designed with families in mind, such as small SUVs. These cars typically come equipped with advanced safety features, have smaller engines and are often driven by parents with children onboard. As a result, drivers tend to be more cautious, 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 often come with lower insurance rates than sedans and other types of vehicles. This is partly because they are cheaper to repair and don’t have any expensive electric and safety components, leading to cheaper insurance rates.
Cheapest Dodge models to insure
Smaller, budget-friendly Dodge models with low-power engines are more affordable to insure than upscale or sporty versions. Entry-level base models have lower car insurance rates, but premiums increase as you move up 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, senior agent with A Plus Insurance. “If you are younger and 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
You can take advantage of all the available discounts to lower your Dodge car insurance costs. Insurance companies offer various discounts that can significantly reduce your premiums.
You might be eligible for discounts related to your vehicle or personal factors. Insurance companies typically reduce rates for vehicles equipped with advanced safety features such as automated emergency braking, lane departure warning systems and driver alertness monitors.
In addition, installing an anti-theft system or purchasing a new car might lower your premiums since some insurance companies offer new car insurance discounts. Personal factors can also lead to significant savings, such as discounts for good drivers or good students if you have a teen added to your policy.
“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 about Dodge insurance premiums? The insurance rates vary based on the specific model you choose. Since Dodge manufactures various vehicles, the insurance premiums differ accordingly.
Smaller SUVs and minivans are the cheapest vehicle types to insure while luxury models and sporty sedans are more expensive. Pickup trucks tend to fall on the more affordable side of the insurance spectrum – until you get into the luxury trim levels.
Insurance companies accumulate excessive statistical data, revealing that family-friendly vehicles-like SUVs and minivans-are involved in fewer accidents and file fewer claims than sedans and sports cars. This is one reason why they are cheaper to insure. Additionally, luxury vehicles and sports cars are equipped with expensive materials and advanced technology, which drives up repair costs and, as a result, increases insurance premiums.
When comparing car insurance quotes, make sure to compare quotes thoroughly for different types of vehicles. For instance, insuring a luxury sedan generally costs more than insuring a minivan or mid-size SUV. To make an informed decision, be sure to compare quotes for the same vehicle type and coverage levels.
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 range of vehicle models, and the cost to insure them varies based on several factors. Opting for entry-level vehicles with a lower starting price, a smaller engine and plenty of safety features can help keep your insurance premiums affordable. On the other hand, selecting luxury or sporty models may increase the cost of coverage.
You can reduce your insurance costs by regularly comparing coverage options, inquiring about available discounts and choosing the highest deductible.
Frequently asked questions
Does my driving record impact how much I pay to insure my Dodge?
Yes, your driving record has a significant impact on your Dodge’s insurance premium. A clean driving history typically leads to lower rates, while accidents, speeding tickets, or DUI offenses can substantially increase your premium.
Does the color of my Dodge affect the insurance premium?
No, the color of your Dodge does not affect your insurance premium. Insurance companies base their rates on factors like the model, age, safety features, and driving history, but not the color of your vehicle.
How does the age of my Dodge affect insurance costs?
The age of your Dodge can influence your insurance costs. Older Dodge models tend to have lower premiums due to depreciation, but they may lack the latest safety features, which can slightly increase the rates. Conversely, newer models often have higher premiums because they are more expensive to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed July 2025.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed July 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates for different makes and models. The rates are based on sample profiles of 18 and 40-year-old male drivers carrying full coverage policy with limits of 100/300/100 and a $500 collision and comprehensive deductible.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies across the nation.
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