Cost of Dodge Car Insurance (2026)
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 GetmanAssociate Editor
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Edited byLindsay VanSomeren
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Lindsay VanSomerenInsurance and Personal Finance Writer
8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
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Reviewed byMacKenzie Korris
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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. | $51/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. | $103/mo |
4.9
Best choiceBased on 3,697 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.8 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 1,585 USAA reviews
Verified Review
Reviewed in Missouri on May 31, 2026
USAA has always been helpful and easy to work with.
Verified Review
Reviewed in New Mexico on May 30, 2026
That's the best car insurance you can buy, but it's very expensive.
Verified Review
Reviewed in Louisiana on May 29, 2026
I have always had good experiences with Progressive. I would advise any friend to go with Progressive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.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++
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. | $80/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. | $147/mo |
4.0
Best choiceBased on 18,458 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 7,776 GEICO reviews
Verified Review
Reviewed in Florida on June 1, 2026
Every year my insurance increased without me having tickets or accidents—none during my entire time with your insurance. However, my policy rate continued to go up every year. No thank you.
Verified Review
Reviewed in Missouri on May 31, 2026
Rates keep going up the older I get. My car gets older as well. I’m retired and don’t drive very far anymore!
Verified Review
Reviewed in Massachusetts on May 31, 2026
Way too expensive and try your best to avoid horrible drivers/accidents. Your insurance goes up when you’re not at fault due to making a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.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++
State Farm: Best for claims satisfaction
| 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. | 9.3 /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. | $53/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. | $107/mo |
4.0
Best choiceBased on 18,367 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 7,595 State Farm reviews
Verified Review
Reviewed in Ohio on June 1, 2026
I definitely recommend my insurance provider. They offer very good service and a good price!
Verified Review
Reviewed in Florida on May 31, 2026
I have been with State Farm for many, many years. I have checked all of the other companies that advertise that they will save me hundreds of dollars per year, and none of them have been able to do so.
Verified Review
Reviewed in Tennessee on May 31, 2026
I'm sick of the constant increases! My insurance goes up every renewal, with no accidents, no claims, and no tickets. It's frustrating. I've been with SF for over 7 years, and I'm looking for something better. I'm tired of being a good driver and being rewarded with higher premiums. It's ridiculous.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.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++
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 |
| District of Columbia | $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]
Sources
Methodology
Insurify data scientists analyzed more than 190 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.
)
Sara GetmanAssociate Editor
Lindsay VanSomerenInsurance and Personal Finance Writer
8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Featured in
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969