Cost of Dodge Car Insurance (2025)
Dodge car owners pay an average of $158 per month for insurance, which is similar to competitors Ford and Nissan.
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Written bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Edited byLindsay VanSomeren
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
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Table of contents
Dodge is an iconic American carmaker with roots stretching back to 1914. Today, it’s known for producing a wide range of vehicles from fast muscle cars to family minivans.[1]
With such a diverse lineup, you can expect a wide range of estimates when getting Dodge insurance quotes for your own vehicle. But across all models, a typical insurance premium costs $109 for minimum coverage and $206 for full coverage, on average.
Here’s what you need to know about finding the most affordable coverage for your Dodge.
Quick Facts
USAA, GEICO, and State Farm offer the cheapest policy options for Dodge vehicles.
Chargers, Challengers, and Hornets are some of the more expensive Dodge models to insure.
The Grand Caravan is the cheapest Dodge vehicle to insure.
Cost of Dodge insurance by model
Different vehicle models carry different levels of risk. Some cars might cost more to replace in an accident, have better safety ratings, or have part recalls. Here are the average policy costs for different models, according to Insurify data.
Dodge Model  | Average Monthly Quote |
|---|---|
| Charger | $203 |
| Challenger | $199 |
| Hornet | $187 |
| Grand Caravan | $100 |
| Durango | $151 |
| Ram 1500 | $122 |
| Ram 2500 | $122 |
| Ram 3500 | $126 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Dodge Charger owners pay the highest average premiums in the Dodge family. This is due in part to the Charger’s high value, expensive parts, and special features such as 670 horsepower in the 2025 Daytona edition.
Someone driving a fast car typically comes with more risk for insurance companies than someone driving a minivan, for example.
Here are the average rates for a Dodge Charger by insurer.
Insurance CompanyAverage Monthly QuoteUSAA $100 GEICO $117 State Farm $119 Allstate $132 American Family $153 Progressive $172 Nationwide $183 Travelers $194 Farmers $234 Liberty Mutual $289 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Dodge discontinued the iconic Challenger in 2023, but plenty are still on the road today. Insurance costs for this car are similar to the Charger Daytona, one of Dodge’s newer introductions to its lineup.
Insurance CompanyAverage Monthly QuoteUSAA $99 GEICO $115 State Farm $117 Allstate $130 American Family $151 Progressive $169 Nationwide $181 Travelers $191 Farmers $231 Liberty Mutual $284 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Dodge launched its first new small SUV, the Hornet, in 2023. Today, it comes with a manufacturer’s suggested retail price (MSRP) starting from $31,400. Despite that relatively low price tag, insurance rates are still comparatively high for this car model.
Insurance CompanyAverage Monthly QuoteUSAA $92 GEICO $108 State Farm $109 Allstate $121 American Family $141 Progressive $158 Nationwide $169 Travelers $178 Farmers $216 Liberty Mutual $266 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Dodge Grand Caravans are still some of the most recognizable minivans on the road today, despite production stopping in 2020. Here are the typical insurance rates that companies are charging for this vehicle.
Insurance CompanyAverage Monthly QuoteUSAA $56 GEICO $66 State Farm $67 Allstate $74 American Family $86 Progressive $97 Nationwide $103 Travelers $109 Farmers $132 Liberty Mutual $162 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average premiums for this midsize SUV also fall about midrange among Dodge insurance rates for different models. The National Highway Traffic Safety Administration gives it a four-star safety rating.
Here are the average rates from top insurers.
Insurance CompanyAverage Monthly QuoteUSAA $74 GEICO $87 State Farm $88 Allstate $98 American Family $114 Progressive $128 Nationwide $136 Travelers $144 Farmers $175 Liberty Mutual $215 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Although the Dodge and Ram brands split in 2010, they’re still owned by the same parent company, and Rams are still associated with the Dodge name.
The Ram 1500 is the most accessible version of this bestselling line of pickup trucks, with a current starting MSRP of $40,275.
Here are typical rates based on Insurify data:
Insurance CompanyAverage Monthly QuoteUSAA $61 GEICO $71 State Farm $72 Allstate $80 American Family $92 Progressive $104 Nationwide $111 Travelers $117 Farmers $142 Liberty Mutual $175 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Despite costing over $5,000 more, insurance agencies charge very similar rates for a 2500 pickup versus a 1500 pickup, on average. Your fuel costs are a different story — especially with the diesel option.
Here are the average rates for the Ram 2500 pickup.
Insurance CompanyAverage Monthly QuoteUSAA $61 GEICO $71 State Farm $72 Allstate $80 American Family $92 Progressive $104 Nationwide $111 Travelers $117 Farmers $142 Liberty Mutual $174 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurance costs start to tick upward on a Ram 3500 compared to its smaller siblings, but only slightly. Below is a look at how much a car insurance policy costs from different insurers:
Insurance CompanyAverage Monthly QuoteUSAA $62 GEICO $73 State Farm $74 Allstate $82 American Family $95 Progressive $107 Nationwide $114 Travelers $120 Farmers $145 Liberty Mutual $179 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Best companies for Dodge car insurance
Each insurance company has its own formula for calculating premiums on the insurance policies it sells. This includes the make and model of the car, its age, and your driving history, location, and more.
Some of the best companies that offer affordable Dodge car insurance rates include:
USAA: Best for military members and their families
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $52/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $99/mo |
4.9
Best choiceBased on 2,407 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,311)
Richard
Verified Review
Pricey Insurance for Seniors with Recent Claims
Reviewed in Minnesota on November 2025
Because of two claims in May-June 2024, my premium has skyrocketed. It sounds like they don't want senior citizens as policyholders, and I have been with USAA for over 55 years!
Tina
Verified Review
Tina's Warning
Reviewed in Oklahoma on November 2025
Do not go with USAA. They changed my amount from $97 to $160, saying their rates went up. To me, that sucks. The only way my rate should change that much is if I increased my coverage or lowered my deductible, but I didn't do any of those. Am I right? Still, it skyrocketed. I had to drop down to just liability on one vehicle. Don't use USAA.
Oscar
Verified Review
I'm just checking prices. Their service is great, but their prices match the service. Just checking prices and coverage. They go hand in hand.
Reviewed in Colorado on November 2025
I'm just checking prices. Their service is great, but their prices match the service. Just checking prices and coverage. They go hand in hand.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA exclusively serves current and former members of the military and their immediate families and is still the seventh-largest insurance company in the U.S. by market share. USAA offers banking, investing, and retirement services in addition to numerous insurance products, including auto, homeowners, renters, and more. Auto policyholders can qualify for discounts for bundling, insuring multiple vehicles, and living on a military base. AM Best gives USAA an A++ (Superior) financial strength rating, and the insurer ranked best in most regions in J.D. Power’s Overall Customer Satisfaction Index.
Pros
High customer satisfaction
Low premiums
SafePilot program rewards good driving with up to 30% discount
Cons
Only available to active-duty military, veterans, military spouses, or children of service members or veterans
No 24/7 customer phone support
Customer reviews are mixed for service and claims processing
GEICO: Best for affordable Dodge insurance rates
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $91/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $139/mo |
4.0
Best choiceBased on 13,215 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,843)
Jeri
Verified Review
Mediocre
Reviewed in Texas on November 2025
My experience with insurance providers during the past few years has been mediocre. They have all been reluctant to offer discounts for low-mileage drivers, and their customer service is often handled by artificial intelligence or offshore representatives who are not fluent in English.
Meghan
Verified Purchase
Impressed with GEICO's prompt automation
Reviewed on November 2025
I like GEICO's service overall. I totally recommend GEICO insurance.
Christopher
Verified Review
Just Okay
Reviewed in New York on November 2025
My experience has been good; however, they keep raising prices and don't lower their rates for excellent drivers like myself. I pay all this money based on my credit score and not my over 10-year record of never being late, never lapsing, or anything. It's frustrating.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO, a subsidiary of the Berkshire Hathaway Group, is the third-largest U.S. insurer by market share. In addition to auto insurance, GEICO sells homeowners, renters, flood, travel, life, and business insurance, among other products. The insurer offers numerous car insurance discounts to help drivers save. For example, drivers who are accident-free for five years could earn 22% off premiums, and good students could earn 15% off. GEICO’s National Association of Insurance Commissioners complaint index score is below average, meaning it receives fewer consumer complaints than average.
Pros
Good rates for good drivers, seniors, and young drivers
Accident forgiveness available
A+ (Superior) financial strength rating from AM Best
Cons
High rates for drivers with certain violations, like DUIs
No rideshare or new car replacement coverage available
Lower customer satisfaction scores from J.D. Power
State Farm: Best for claims satisfaction
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $109/mo |
4.1
Best choiceBased on 12,597 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,521)
Andrea
Verified Review
Car Insurance
Reviewed in Colorado on November 2025
More expensive than the East Coast.
Margaret
Verified Review
Expensive
Reviewed in Illinois on November 2025
State Farm has always been good to me. My complaint is the significant rise in premium costs, although I haven’t filed a claim in decades.
James
Verified Review
State Farm
Reviewed in Minnesota on November 2025
I'm glad to be with State Farm. Joe Etten's staff is excellent.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is the largest U.S. auto insurer by market share and has operated for more than 100 years. Available in all 50 states, State Farm stands out for its customer service, extensive discounts, and optional coverages. The insurer ranked fifth for overall customer satisfaction in the 2023 J.D. Power U.S. Auto Claims Satisfaction Study. Safe drivers can enjoy many State Farm discounts, including ones for young motorists who complete an approved driver training course, for having a vehicle with certain safety equipment, and for going three years or longer without violations or at-fault accidents.
Pros
High rates of customer satisfaction
Rideshare insurance available
Savings for bundling auto with home, renters, condo, or life insurance
Cons
No gap insurance offering
May not be the cheapest choice for drivers with violations
Accident forgiveness limited to longtime customers with clean driving records
Average cost of Dodge insurance by state
Dodge insurance costs can vary significantly by location because the specific risks differ around the country.[2] Take a look at the average insurance premium in each U.S. state for all Dodge car models:
Full-Coverage Rates by State
State | Average Monthly Quote |
|---|---|
| Alabama | $150 |
| Arizona | $184 |
| Arkansas | $270 |
| California | $254 |
| Colorado | $232 |
| Connecticut | $353 |
| Delaware | $260 |
| Florida | $243 |
| Georgia | $263 |
| Idaho | $132 |
| Illinois | $179 |
| Indiana | $152 |
| Iowa | $128 |
| Kansas | $174 |
| Kentucky | $229 |
| Louisiana | $234 |
| Maine | $159 |
| Maryland | $357 |
| Massachusetts | $188 |
| Michigan | $292 |
| Minnesota | $206 |
| Mississippi | $219 |
| Missouri | $204 |
| Montana | $175 |
| Nebraska | $185 |
| Nevada | $296 |
| New Hampshire | $119 |
| New Jersey | $188 |
| New Mexico | $167 |
| New York | $497 |
| North Carolina | $99 |
| North Dakota | $145 |
| Ohio | $136 |
| Oklahoma | $188 |
| Oregon | $170 |
| Pennsylvania | $182 |
| Rhode Island | $156 |
| South Carolina | $284 |
| South Dakota | $136 |
| Tennessee | $158 |
| Texas | $249 |
| Utah | $193 |
| Vermont | $160 |
| Virginia | $203 |
| Washington | $169 |
| Washington D.C. | $363 |
| West Virginia | $165 |
| Wisconsin | $140 |
| Wyoming | $126 |
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How to ensure you have enough coverage on your Dodge
Everyone has different insurance needs depending on their risk level. Broadly speaking, each type of insurance coverage can protect you by either paying for damage that you cause in an accident or reimbursing you for damage you sustain.
It’s a good idea to keep both factors in mind when you’re thinking about what type of coverage you might need:[3]
Liability coverage
Every state except New Hampshire requires you to purchase certain liability coverage amounts for property damage and bodily injury. This pays for any damage you might cause to someone else in an accident. You can purchase higher limits if you want to further protect yourself financially.
PIP/MedPay coverage
Some states require you to buy a personal injury protection or medical payments policy, but it’s optional in others. It helps to pay for harm that you and your own passengers might sustain in an accident, regardless of who caused it.
Collision coverage
If your vehicle sustains damage in a collision with another car, no matter who caused it, this policy will pay to repair or replace the car. You may need to buy this type of insurance policy if you’re leasing or paying off your vehicle.
Comprehensive coverage
Comprehensive coverage protects against damage from other non-collision causes, like storm damage, wildfires, and theft. Drivers typically buy it with collision coverage as part of a full-coverage car insurance policy.
Dodge car insurance FAQs
Here are some questions that Dodge owners frequently ask about buying an auto insurance policy.
USAA generally offers the cheapest insurance for Dodge vehicles, but coverage is available only to service members and their immediate family members. After USAA, GEICO offers the next-cheapest insurance rates for Dodge vehicles.
Dodge insurance costs are fairly similar to other vehicle types and competitors, but they can also vary by model. Dodge Challengers and Chargers, for example, have higher-than-average insurance costs.
Average insurance costs for a Dodge Challenger are $260 per month for full coverage and $138 per month for liability-only coverage, according to Insurify data.
Yes. Dodge offers car insurance through a partnership with GEICO.[4]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
)
Sara GetmanAssociate Editor
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
Edited byLindsay VanSomeren
8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
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