Dodge Insurance Rates

The average cost of car insurance for a Dodge model is about $1,807 per year.

This is $260 better than other popular brands. Our car insurance comparison studies assume a 40 year old good driver with full coverage and good credit, that drives around 13,000 miles per year. Many things can contribute to the actual rates. These variables include vehicle, age, location, mileage, credit score, driving record and more. Below you will find a chart that illustrates some of these differences. The tables further down show how these factors impact Dodge insurance rates.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

These Dodge insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.

Insurance Cost per Dodge Model

Model Good Driver Recent Accident Poor Credit
Dodge Challenger Insurance Cost $1,564 $2,330 $2,754
Dodge Charger Insurance Cost $1,466 $2,183 $2,581
Dodge Durango Insurance Cost $1,756 $2,615 $3,091
Dodge Grand Caravan Insurance Cost $2,098 $3,125 $3,694
Dodge Journey Insurance Cost $2,149 $3,201 $3,783

The cost to insure a Dodge model will differ significantly by the age of the driver. Younger drivers cost more to insure because they are much more likely to be at fault in an accident. That probability decreases dramatically by the time they turn 25 and so do the premiums. In fact, insurance cost by age continues to decline until after age 60, but the increases after are modest.

Credit plays a big role in premiums in most states. The under 25 crowd is far more likely to have very little credit established. The best way to mitigate this would be to join their family's multi-vehicle policy. Their rates will become more affordable as they age up and maintain a decent driving record. They can also build their credit at the same time. While paying car insurance doesn't improve credit on its own, using a credit card to so monthly can. As long as it's paid in full every billing cycle, of course. This is also an easy way to accumulate points on a rewards credit card as it's an expense required for every driver.

Insurance costs by age vary between brands based on resale values and safety ratings. If you're not set on a Dodge, then see our insurance analysis and rankings for other makes and models here.

Dodge Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $6,119 $9,114 $10,774
18 $5,702 $8,494 $10,040
19 $5,040 $7,506 $8,873
20 $4,394 $6,545 $7,737
21 $3,685 $5,489 $6,488
22 $3,589 $5,345 $6,319
23 $3,140 $4,677 $5,529
24 $2,983 $4,443 $5,252
25 $2,574 $3,834 $4,533
30 $2,006 $2,987 $3,531
35 $1,878 $2,798 $3,307
40 $1,807 $2,691 $3,181
45 $1,758 $2,618 $3,095
55 $1,612 $2,401 $2,838
65 $1,681 $2,505 $2,961
75 $2,123 $3,162 $3,737

Dodge auto insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect Dodge models by state.

Average Dodge Insurance by State

State Good Driver Recent Accident Poor Credit
Alabama $1,914 $2,681 $3,356
Alaska $1,583 $2,306 $2,416
Arizona $1,790 $2,777 $3,959
Arkansas $1,962 $2,972 $3,325
California $2,185 $3,821 $2,185
Colorado $2,039 $2,823 $3,521
Connecticut $2,605 $4,027 $5,158
Delaware $2,157 $2,969 $3,942
Florida $2,567 $3,488 $4,547
Georgia $2,093 $3,226 $3,311
Hawaii $836 $1,154 $836
Idaho $1,453 $1,955 $2,434
Illinois $1,521 $2,248 $2,607
Indiana $1,562 $2,441 $2,849
Iowa $1,237 $1,856 $2,163
Kansas $1,646 $2,424 $2,871
Kentucky $2,380 $3,580 $4,210
Louisiana $3,055 $4,669 $5,027
Maine $1,155 $1,550 $2,261
Maryland $1,870 $2,741 $3,237
Massachusetts $1,499 $2,535 $1,499
Michigan $3,618 $5,439 $8,363
Minnesota $1,489 $2,000 $2,961
Mississippi $1,798 $2,715 $2,868
Missouri $1,694 $2,333 $3,017
Montana $1,722 $2,695 $2,972
Nebraska $1,456 $2,061 $2,344
Nevada $2,401 $3,625 $3,976
New Hampshire $1,670 $2,692 $3,429
New Jersey $1,840 $2,902 $3,743
New Mexico $1,879 $2,704 $3,037
New York $1,741 $2,267 $3,659
North Carolina $1,079 $1,742 $1,343
North Dakota $1,477 $2,273 $2,885
Ohio $1,317 $2,154 $2,231
Oklahoma $2,103 $3,157 $3,581
Oregon $1,913 $2,890 $3,315
Pennsylvania $1,612 $2,437 $2,797
Rhode Island $2,691 $4,129 $4,722
South Carolina $1,827 $2,645 $3,774
South Dakota $1,639 $2,256 $2,706
Tennessee $1,928 $2,884 $3,639
Texas $1,942 $2,858 $3,587
Utah $1,652 $2,388 $3,294
Vermont $1,272 $2,033 $2,223
Virginia $1,198 $1,804 $1,916
Washington $1,586 $2,382 $2,809
West Virginia $1,596 $2,323 $2,869
Wisconsin $1,591 $2,322 $2,820
Wyoming $1,485 $2,182 $2,439

Other Important Dodge Ownership Costs

Insurance is a major vehicle related expense. There are also some others to be aware of. See our cost analyses on depreciation, maintenance and financing for all Dodge models. These will provide you with even more knowledge before making such an important financial decision.

Ready to start shopping for a Dodge? We have millions of new and used vehicles listed. Here are some Dodge models for sale in your area.

Have more questions on our data or methodologies? Great, we're skeptics too. Here are some common questions and answers.