Best Auto Insurance for Dodges in 2026

Find the best auto insurance for Dodges at Erie, Liberty Mutual, and Nationwide. Erie has the best cheap car insurance for Dodges at $48 a month.

Nationwide offers competitive rates starting at $54 per month and flexible payment plans to make Dodge insurance even more affordable.

Liberty Mutual is more expensive, but policies are backed by high claims satisfaction and superior financial strength. Compare Now: Liberty Mutual vs. Nationwide Auto Insurance

Top 10 Companies: Best Auto Insurance for Dodges

Dodge Charger insurance is the most expensive, while Dodge Caliber car insurance rates are often the cheapest, but comparing these top providers will help you find the best value.

Start comparing Dodge auto insurance rates now by entering your ZIP code into our free comparison tool today.

Average Dodge Car Insurance Rates

Erie, Geico, and State Farm are often the cheapest Dodge insurers, but you should compare multiple companies to find the best Dodge auto insurance based on your coverage needs, age, and driving record.

Start comparing anonymous auto insurance quotes to see the average Dodge insurance costs from providers in your state.

Minimum vs. Full Coverage Premiums for Dodge Drivers

Dodge insurance costs vary based on the coverage you choose. Minimum liability policies are the cheapest, but drivers who own or lease a Dodge model should consider full coverage. Our guide to liability vs. full coverage insurance explains the benefits of each.

Erie offers the lowest rates at $48 per month for minimum coverage and $140 monthly for full coverage, but it’s only available in 12 states.

Dodge Auto Insurance Monthly Rates by Coverage Level

Companies with competitive rates across the country are State Farm and Geico vs. The Hartford and Liberty Mutual, which are on the higher end but offer additional benefits that justify the price.

For instance, Liberty Mutual costs almost $20 more per month than the cheapest providers, but it has higher claims ratings and flexible policies that Dodge drivers can customize.

Dodge Auto Insurance for Teens vs. Older Drivers

Dodge insurance costs are highest for teens and young drivers under 25. Dodge car insurance for 16-year-olds costs between $150 and $170 a month for minimum coverage.

Teens with sportier models will pay even more due to the high speeds and increased accident risk, which can drive up the Dodge Charger insurance cost for 18-year-olds and any driver under 21.

Your Dodge insurance quote can drop by 50% or more by the time you turn 35, averaging $70 per month if you keep a clean driving record.

Dodge drivers can get cheap auto insurance for teens with Nationwide, Travelers, and Progressive through usage-based plans that track habits and offer discounts for safe driving.

State Farm also offers online teen driver education programs and applies discounts to Dodge insurance policies once the course is completed.

How Driving History Affects Dodge Insurance

Dodge insurance premiums are largely influenced by driving history. For example, someone with a clean driving record is charged under $70 a month for minimum coverage, compared to a driver with an accident or DUI.

Dodge insurance with a DUI would increase to $145 per month, the highest compared to other Dodge drivers. Shop around to find cheap auto insurance after a DUI.

Dodge Auto Insurance Monthly Rates by Driving Record

Erie and Geico remain the cheapest Dodge insurance companies for high-risk drivers, keeping monthly rates under $100 after a speeding ticket or accident.

However, driving a sportier model will increase your rates. Dodge Charger and Dodge Challenger insurance rates can skyrocket after a citation due to the vehicles’ high speeds and high-risk classification.

Dodge Car Insurance Prices for Different Models

Dodge auto insurance rates can vary widely depending on the model and the type of coverage you choose. The Dodge Neon is the cheapest to insure at $48 monthly, while Dodge Grand Caravan insurance remains competitive at $60 a month.

Drivers looking for affordable minimum coverage compare auto insurance rates by vehicle and often find the best deals with Dodge Caliber and Dodge Dart insurance.

Dodge Auto Insurance Monthly Rates by Model

If you’re insuring a Dodge truck or SUV, expect costs to be higher than insuring a sedan. Dodge Durango insurance rates average $80 a month, and Rams cost $75 a month for minimum and $175 monthly for full coverage.

However, Ram Trucks is now its own brand and no longer affiliated with Dodge Motor Company, which could impact premiums in your area. See how costs compare in our guide: Best Auto Insurance for Trucks

Performance vehicles also come with higher full coverage costs, such as Dodge Charger insurance rates at $190 a month.

The Dodge Charger insurance classification as high-risk will increase your premiums, just like Dodge Avenger car insurance, because these vehicles are more likely to be involved in high-speed accidents or have expensive claims.

Maintaining a safe driving record and avoiding claims can keep insurance for Dodge Charger drivers affordable. Parking in a garage will reduce the risk of theft and lower the full coverage Dodge Charger insurance cost per month.

Dodge Challenger car insurance is higher, at $200 monthly, also due to its classification as a sports car. Safe drivers can earn discounts and qualify for usage-based policies that track driving habits rather than the brand’s reputation.

Important Details: Ultimate Guide on the Best Time to Buy a New Car

Dodge Challenger Insurance Rates vs. Other Sports Cars

If you want more affordable rates, picking a sports car like the Charger or Challenger will not be the cheapest option.

When it comes to insurance, Dodge Challenger drivers pay more than drivers with GTOs or Mustangs. Check Out: Best Auto Insurance for Fords

How much is insurance for a Dodge Challenger? It’s cheaper to insure than a Chevy Camaro or Toyota Supra, but it is one of the more expensive Dodges to insure at $90 a month for minimum coverage.

Sports cars cost more to insure, not only because they’re high-performance vehicles and more likely to be involved in a crash, but also because parts are more expensive to repair or replace.

Buying an older model can help lower sports car premiums. For instance, your 2015 Dodge Challenger insurance cost will be lower than a brand new model.

Some Dodge car insurance companies may require you to carry higher limits or add-ons for sports cars to protect your vehicle, especially for insurance on a Hellcat.

Dodge Durango Insurance Costs vs. Other SUVs

SUV insurance premiums are higher than for sedans and almost as pricey as sports car insurance. These vehicles aren’t designed for speed, but they do cost more to repair, which raises your premiums.

If you drive a Dodge Durango, you’re paying more for insurance than Toyota or Chevy drivers.

Dodge Durangos and Jeep Cherokees are two of the more expensive SUVs to insure. Learn More: Best Auto Insurance for Jeeps

To lower your Dodge insurance rates, maintain a clean driving record and avoid filing claims. If you can prove you’re a good driver, insurance companies will discount your SUV premiums.

Best Coverage Options for Your Dodge

The type of policy you choose will affect the monthly cost of Dodge insurance, and more coverage leads to higher rates.

The cheapest type is basic liability, which meets the minimum auto insurance requirements in each state and can sometimes include uninsured motorist and personal injury coverage.

• Liability Coverage: Liability insurance pays for damages or injuries you cause in a collision.
• Medical Payments: Medical payments (MedPay) policies will cover the medical costs for you and your passengers after a claim, no matter who is at fault.
• Personal Injury: Personal injury protection (PIP) covers medical bills as well as lost wages and household costs if you’re unable to work while recovering from an auto accident.
• Uninsured/Underinsured Motorist (UM/UIM): UM/UIM kicks in if you’re hit by an uninsured driver and, in some states, it will cover damage caused by a hit-and-run driver.

These four common policies make up the minimum requirements in your state, but won’t protect your Dodge. If you want even more protection, add full coverage car insurance.

Full coverage insurance combines comprehensive and collision insurance to cover accidents and damage to your Dodge not caused by collisions, such as vandalism or animal damage.

Full coverage is recommended for new Dodges, and you’ll want to carry higher limits if you’re buying Dodge Challenger or Dodge Nitro car insurance, since sports cars require higher limits.

New Dodges also need gap insurance, which covers what’s left on an auto loan if your car is totaled in a collision. Gap plans aren’t available with every Dodge auto insurance company, so shop around for the policies you need.

Dodge Auto Insurance Coverage Options by Provider

Choosing specialized options, such as custom parts protection or rideshare insurance, will impact your rate but are often necessary if you’ve added aftermarket parts or use your Dodge for work or deliveries.

Allstate, Auto-Owners, and Travelers are the only top Dodge auto insurance companies that offer most coverage plans. Erie and Geico are the cheapest but lack many popular policies.

Important Details: How to Buy Auto Insurance

Ways to Save on Dodge Insurance Costs

Using the best tips to pay less for car insurance, like adjusting your coverage and driving habits, can reduce what you pay for Dodge auto insurance.

Here are a few simple ways to cut your Dodge insurance costs without losing essential coverage:

• Increase Deductibles: Raising your deductible lowers monthly premiums. This is a cost-effective option for safe drivers who avoid claims.
• Maintain a Clean Driving Record: Avoid accidents or traffic violations to lower premiums. Some insurers offer additional discounts for completing defensive driving courses.
• Pay Annually: Paying premiums in full annually rather than monthly can save money by avoiding processing fees and interest charges
• Utilize Vehicle Safety Features: If your Dodge has anti-theft devices, airbags, or anti-lock brakes, you may be eligible for discounts for reducing the risk of accidents or theft.

Discounts offered by major insurers can also help lower the cost of Dodge auto insurance. Read More: Car Insurance Discounts You Can’t Miss

These include savings for bundling policies, maintaining a clean driving record, being a good student, and participating in usage-based insurance programs.

Top Auto Insurance Discounts for Dodge Drivers by Provider

Usage-based programs like Progressive’s Snapshot and Travelers’ IntelliDrive help drivers save over $200 a year if they are comfortable with tracking their driving habits and mileage.

AARP membership benefits from The Hartford, or teen driver monitoring from Auto-Owners, can also help lower rates.

For cheaper insurance, Dodge drivers can stack multiple discounts and combine those savings with personal strategies that reduce rates.

Staying proactive about your coverage and regularly reviewing your options before renewal ensures you’re always getting the most for your money.

Learn More: How to Switch Auto Insurance Providers

The Best Dodge Auto Insurance Companies

State Farm, Geico, and Progressive are the largest Dodge car insurance companies. They’re also the most affordable after Erie, which is part of why they’re so popular.

Allstate is also popular for its competitive discounts, offering some of the biggest savings on bundling and multi-vehicle policies.

USAA rounds out the top five with the best auto insurance for military and veterans who drive Dodges.

But finding the best car insurance for a Dodge involves more than price. Erie, Liberty Mutual, and Nationwide have higher claims satisfaction compared to many of the largest and cheapest companies.

Compare Now: State Farm vs. Farmers, Geico, Progressive, and Allstate Auto Insurance

#1 – Erie: Top Pick Overall

Pros

• Customer Satisfaction: Erie has the highest claim satisfaction in the country when it comes to Dodge auto insurance claims and policy changes.
• Affordable Rates: Erie is known for having the cheapest Dodge auto insurance at $48 a month. Compare more quotes in our Erie car insurance review.
• Multi-Policy Discount: Dodge owners can save up to 25% when they bundle their auto and home insurance policies with Erie.

Cons

• Limited Availability: Cheap Dodge insurance from Erie is available in only 12 states.
• Fewer Digital Services: Since it’s a regional provider, Erie’s website and mobile app aren’t as streamlined as national providers like Progressive or Geico.

#2 – Liberty Mutual: Best for Multiple Policies

Pros

• Multi-Policy Discounts: Get up to 25% off Dodge insurance costs when bundling home and auto insurance. See More: Liberty Mutual Insurance Review
• Strong Online Tools: It provides excellent online tools to manage your Dodge insurance policy and file claims.
• Customizable Coverage: Liberty Mutual offers the best Dodge car insurance for drivers who need specific coverage, with a variety of add-ons and customization options.

Cons

• Higher Premiums for Younger Drivers: Liberty Mutual’s rates tend to be higher for younger and high-risk drivers.
• Limited Physical Locations: Fewer local offices mean less personalized support for Dodge drivers who prefer to work with an agent.

#3 – Nationwide: Best for Easy Payments

Pros

• Flexible Payment Plans: Our Nationwide insurance review explores a range of payment options to help Dodge owners find a plan that suits their budget.
• Usage-Based Discounts: Nationwide SmartRide and SmartMiles base rates on driving habits and mileage, which can save Dodge owners up to 40% on premiums.
• Bundling Benefits: Nationwide offers 20% discounts when bundling auto and home insurance policies.

Cons

• Expensive for High-Risk Drivers: Nationwide can be on the higher side for Dodge drivers with claims or DUIs on their record.
• Limited Coverage in Some States: Nationwide doesn’t offer all policy options in all states, which can limit your coverage if you need gap or rideshare insurance.

#4 – State Farm: Best for Reliable Support

Pros

• Local Agent Networks: State Farm has auto insurance agents in every state who provide personalized service to help drivers customize their Dodge insurance policies.
• High Claims Satisfaction: State Farm has an above-average claims rating from J.D. Power, reflecting fast payouts and fair settlements for many Dodge owners.
• Bundling Discounts: It’s an affordable option for Dodge owners who also need home or life insurance, offering a 17% discount on policy bundles.

Cons

• Limited Customization: Some states have fewer policy customization options for Dodge owners. Use our State Farm review to find policies in your area.
• Limited Availability: State Farm is known for not renewing auto insurance policies in high-risk states like California, Florida, Rhode Island, and Massachusetts.

#5 – The Hartford: Best for AARP Benefits

Pros

• Benefits for Senior Drivers: Our The Hartford Insurance review breaks down the exclusive benefits and discounts for senior drivers with AARP memberships.
• Strong Reputation: With an A+ rating from A.M. Best, The Hartford is known for its reliability and strong claims support for Dodge owners.
• Guaranteed Repairs: The Hartford guarantees repairs for the life of the auto loan or lease for Dodge drivers with gap coverage.

Cons

• Not Available to Non-AARP Members: Only seniors with an AARP membership and their families are eligible to buy Dodge auto insurance from The Hartford.
• Less Flexibility: The Hartford offers fewer customization options compared to other Dodge insurance providers.

#6 – Auto-Owners: Best for Financial Strength

Pros

• Excellent Financial Strength: With an A++ rating from A.M. Best, Auto-Owners provides strong financial stability for paying Dodge insurance claims.
• Strong Claims Service:  As per our Auto-Owners insurance review, the company is known for its reliable and efficient claims process.
• Affordable Coverage Options: Auto-Owners offers competitive Dodge auto insurance rates, starting at $53 per month for minimum coverage.

Cons

• Limited Availability: Auto-Owners is only available to Dodge drivers in 26 states.
• Fewer Discounts: Although it has cheaper rates, Auto-Owners doesn’t offer as many discounts as other Dodge auto insurance companies.

#7 – Geico: Best for Nationwide Availability

Pros

• Nationwide Availability: Geico sells Dodge car insurance throughout the U.S. with 24/7 access online and through its mobile app.
• User-Friendly App: Geico’s mobile app makes buying a Dodge insurance policy and claims handling easy. See how it works in our Geico car insurance review.
• Affordable Rates: Geico offers competitive Dodge car insurance rates, with minimum premiums starting at $50 a month.

Cons

• Online-Only Support: Geico’s online-only approach won’t work for Dodge drivers who prefer in-person assistance.
• Basic Coverage: Geico offers standard Dodge insurance plans for older vehicles, but lacks gap insurance and other customizable add-ons for new Dodges.

#8 – Allstate: Best for Extensive Discounts

Pros

• Multiple Discounts: It offers big discounts on Dodge auto insurance, including 25% off for bundling policies. Get a full list in our Allstate insurance review.
• Customizable Coverage: With a range of options, Allstate allows Dodge owners to tailor their policies with rideshare, custom parts coverage, and more.
• Financial Strength: Allstate is rated A+ by A.M. Best, offering peace of mind for those who need to file Dodge car insurance claims.

Cons

• Expensive Premiums: Dodge insurance premiums can be higher with Allstate, especially for younger drivers or those without a clean driving record.
• Limitations on Discounts: Certain Dodge models or drivers may not be eligible for the full range of Allstate’s discounts.

#9 – Travelers: Best for Custom Plans

Pros

• Customizable Policies: Travelers offers a range of add-ons and endorsements on Dodge insurance policies. Check out coverage options in our Travelers insurance review.
• Industry Experience: With an A++ A.M. Best rating and over 100 years in the insurance industry, Travelers is one of the most reliable Dodge car insurance companies.
• Sage-Based Savings: Travelers offers discounts based on driving habits, rewarding safe drivers with lower Dodge auto insurance rates through its IntelliDrive UBI.

Cons

• Limited Local Agent Access: There are fewer local agents, which might be inconvenient for Dodge drivers who prefer face-to-face service.
• Claims Process Delays: Travelers has a below-average claims satisfaction rating from J.D. Power, and many customers have reported slow claim processing

#10 – Progressive: Best for Usage-Based Plans

Pros

• Snapshot Program: Progressive Snapshot usage-based insurance tracks driving habits for big Dodge auto insurance discounts.
• Free Online Tools: Dodge drivers on a budget can use the Name Your Price Tool on Progressive’s website to find more affordable coverage, starting at $55 a month.
• Automatic Accident Forgiveness: Drivers with clean records have free small accident forgiveness automatically added to their Dodge policies when they switch to Progressive.

 Cons

• Rate Increases at Renewal: Dodge owners in some states report their rates going up after six months, even with a clean record and without coverage changes.
• Claims Experience: After reviewing Progressive, we found that some users report delays and dissatisfaction with Progressive’s claims process.

Find the Best Car Insurance for Your Dodge

If you’re looking for the best auto insurance for Dodges, State Farm is a great choice for reliable coverage.

Erie, Liberty Mutual, and Nationwide offer excellent claims service, competitive discounts, and flexible payment plans with unique coverage options for newer Dodge models.

Dodge auto insurance rates are influenced by several factors, including age, driving history, and the model. Monthly premiums can start as low as $48 for minimum coverage.

However, younger drivers and those with DUIs typically pay significantly more. Take advantage of discounts for safe driving, bundling, or usage-based programs to get cheap auto insurance for high-risk drivers.

By comparing quotes from top providers, drivers can find the best car insurance for Dodges. Get the lowest rates and the best auto insurance for your Dodge vehicle by entering your ZIP code into our comparison tool today.