Best Auto Insurance for Dodges in 2025

Find the best auto insurance for Dodges at Erie, Liberty Mutual, and Nationwide. Erie has the best cheap car insurance for Dodges at $45 a month.

Nationwide excels with flexible payment plans and competitive rates starting at $52 per month.

Liberty Mutual is more expensive, but policies are backed with high claims satisfaction and financial strength (Read More: 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.

Finding Affordable Dodge Auto Insurance

Dodge insurance costs vary based on the coverage you choose. Minimum and non-owner policies are the cheapest, but drivers who own or lease a Dodge model should consider full coverage.

Finding the best Dodge auto insurance means comparing both prices and discounts from top providers.

Dodge Auto Insurance Monthly Rates by Coverage Level

Erie offers the lowest rates at $45 per month for minimum coverage and $130 monthly for full coverage, but it’s only available in 12 states.

Other companies with competitive rates nationwide are State Farm and Geico vs. The Hartford and Liberty Mutual, which are on the higher end but may offer additional benefits that justify the price.

Learn More: Auto Insurance Rates by Vehicle

Driving Experience & Dodge Insurance Rates

The premiums for Dodge insurance are largely influenced by age and driving history. For example, an 18-year-old with a good driving history might be charged a $178 monthly premium, compared to $113 a month for a 35-year-old.

Dodge insurance for an 18-year-old with a DUI would increase to $257 per month, the highest compared to other Dodge drivers.

Dodge Auto Insurance Monthly Rates by Driving Record

As drivers mature, rates typically decrease. A 25-year-old pays about $139 per month for a clean record, but rates rise to $211 if they have a DUI.

For older drivers, such as a 45-year-old with a clean record, the monthly cost can drop to $105, while the same driver with a DUI might pay $171 per month.

Read More: Hacks to Save More Money on Car Insurance

Vehicle Model & Dodge Insurance Rates

Dodge auto insurance rates can vary widely depending on the model and the type of coverage you choose.

Drivers looking for affordable minimum coverage often find the best deals with Dodge Caliber and Dodge Dart insurance.

Dodge Auto Insurance Monthly Rates by Model

Performance vehicles come with higher full coverage costs, such as Dodge Charger insurance rates at $250 a month. The Dodge Challenger insurance cost is also high at $235 monthly.

If you’re insuring a Dodge truck, expect costs to be higher than insuring a sedan. However, Ram Trucks is now its own brand and no longer affiliated with Dodge Motor Company, which could impact premiums in your area.

Choosing the right Dodge model goes hand in hand with finding the right insurance rate. Dodge continues to specialize in muscle cars and SUVs, but Dodge Viper insurance and Dodge Durango car insurance will have higher rates due to their size and risk classification.

Compare average monthly rates across various companies to ensure you’re getting the Dodge coverage you need.

Learn More: How to Buy Auto Insurance

Picking Out Dodge Auto Insurance Coverage

The type of policy you choose can also affect the monthly cost of Dodge insurance. The cheapest type is the basic liability insurance, which meets the minimum state requirements, averaging $58 per month.

Comprehensive insurance, which covers damage to your Dodge not caused by collisions, costs around $82 per month.

If you want even more protection, full coverage insurance, which combines comprehensive and collision insurance, averages $142 per month.

Choosing specialized options, such as non-owner insurance, which costs $48 per month, or collision-only coverage for $97 a month, will also impact your rate.

Read More: Ultimate Guide on the Best Time to Buy a New Car

How to Save on Dodge Insurance Costs

When it comes to insuring your Dodge, there are several strategies that can significantly reduce your premiums.

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

Top Auto Insurance Discounts For Dodges

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

Beyond discounts, using the best tips to pay less for car insurance, like adjusting your coverage and driving habits, can further reduce what you pay for Dodge auto insurance. Here are a few simple ways to cut costs:

• 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 safety features like anti-theft devices, airbags, or anti-lock brakes, you might be eligible for discounts because of the lower risk of accidents or theft.

Using a combination of provider discounts and personal strategies can significantly reduce the cost of insuring your Dodge.

Always compare quotes and tailor your policy to match your driving needs for the best possible value.

Usage-based programs like Progressive’s Snapshot and Travelers’ IntelliDrive help tech-savvy drivers save more. AARP membership benefits from The Hartford, or teen driver monitoring from Auto-Owners, can also help lower rates.

Staying proactive about your coverage, regularly reviewing your options, and keeping up with available discounts ensures you’re always getting the most for your money.

The Best Dodge Auto Insurance Companies

Finding the best auto insurance for Dodges involves comparing providers like Erie, Liberty Mutual, and Nationwide, which offer competitive rates and discounts.

Get even more quotes in our comparison of 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 $45 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: Erie is available in only 12 states, limiting access for some Dodge owners who may not be in the service area.
• 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 Customizable Coverage

Pros

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

Cons

• Higher Premiums for Younger Drivers: Liberty Mutual’s rates tend to be higher for younger drivers or those with a less-than-perfect driving history.
• Limited Physical Locations: Fewer local offices may limit personal interaction for those seeking direct help with their best Dodge auto insurance needs.

#3 – Nationwide: Best for Usage-Based Plans

Pros

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

Cons

• Expensive Premiums for High-Risk Drivers: Nationwide’s premiums can be on the higher side for Dodge drivers with poor driving histories.
• Limited Coverage in Some States: In some regions, Nationwide may not offer all coverage options, limiting choices for Dodge owners in those areas.

#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 A++ rating from A.M. Best, which makes it a reliable choice for Dodge insurance claims. Get more information in our State Farm insurance review.
• Bundling Discounts: Enjoy up to a 17% discount when you bundle policies, making State Farm an affordable option for Dodge owners who also need home or life insurance.

Cons

• Limited Customization: Some states have fewer options for policy customization, which may restrict flexibility for Dodge owners.
• 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: The Hartford’s partnership with AARP provides exclusive benefits and discounts for senior drivers who need cheap Dodge insurance.
• 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 (Read More: The Hartford Insurance Review).

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 in Customization: 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, making it a solid choice for affordable coverage.

Cons

• Limited Availability: Auto-Owners is only available in certain states, limiting access to the best car insurance for Dodges.
• 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 operates throughout the U.S., offering the best auto insurance for Dodges coast to coast.
• User-Friendly App: Everything you need to know about Geico includes a mobile app that makes buying a Dodge insurance policy and claims handling easy.
• Affordable Rates: Geico offers competitive Dodge car insurance rates, with minimum premiums starting at $48 a month.

Cons

• Online-Only Support: Geico’s limited physical agent presence can be a drawback for drivers who prefer in-person assistance for their Dodge insurance needs.
• Basic Coverage Options: Geico offers basic Dodge insurance plans, which may not be as customizable as those of other providers.

#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 coverage options, Allstate allows Dodge owners to tailor their policies for maximum protection and savings.
• Claims Satisfaction: Allstate is known for its dependable claims process and is rated A+ by A.M. Best, offering peace of mind for those who need to file Dodge insurance claims.

Cons

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

#9 – Travelers: Best for Industry Experience

Pros

• 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.
• Customizable Policies: Travelers offers a range of add-ons and endorsements on Dodge insurance policies. Check out coverage options in our Travelers insurance review.
• Sage-Based Savings: With the IntelliDrive program, Travelers offers discounts based on driving habits, rewarding safe drivers with lower Dodge auto insurance rates.

Cons

• Limited Local Agent Access: Travelers offers fewer local agents, which might be inconvenient for those who prefer personalized, face-to-face service for their Dodge insurance.
• Claims Process Delays: Some customers have reported slow processing of claims, which could be a concern for those in need of quick assistance.

#10 – Progressive: Best for Online Tools

Pros

• 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.
• Snapshot Program: Progressive Snapshot usage-based insurance allows drivers to track their driving habits for potential Dodge auto insurance discounts.
• Automatic Accident Forgiveness: Drivers with clean records have free small accident forgiveness automatically added to their Dodge policies when they switch to Progressive.

 Cons

• Variable Premiums: Rates can fluctuate based on your driving history, potentially resulting in higher costs for Dodge owners with prior incidents or claims.
• Claims Experience: Some users report delays and dissatisfaction with Progressive’s claims process. Our guide has everything you need to know about Progressive Insurance.

Where to Get the Best Car Insurance for Dodges

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 $45 for minimum coverage.

However, younger drivers and those with DUIs typically pay significantly more (Read More: Cheap Auto Insurance for High-Risk Drivers). To save money, take advantage of discounts for safe driving, bundling, or usage-based programs.

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.