Best Auto Insurance for Dodges in 2025 (Top 10 Companies for Your Car!)
State Farm, Geico, and Allstate offer the best Dodge auto insurance, starting at $45 per month. State Farm’s multi-vehicle discounts benefit Dodge owners with multiple cars, Geico excels with fast claims processing for busy drivers, and Allstate’s customizable coverage suits Dodge drivers seeking specific protection.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 28, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Apr 28, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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Full Coverage for Dodges
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18,154 reviews
19,116 reviewsCompany Facts
Full Coverage for Dodges
A.M. Best
Complaint Level
Pros & Cons
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11,638 reviewsCompany Facts
Full Coverage for Dodges
A.M. Best
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Pros & Cons
11,638 reviewsFind the best auto insurance for Dodges at State Farm, Geico, and Allstate. These companies stand out for their comprehensive coverage options and a variety of discounts tailored to Dodge owners.
Our Top 10 Company Picks: Best Auto Insurance for Dodges| Company | Rank | Safety Features Discount | Bundling Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 20% | 17% | Reliable Coverage | State Farm |
 | #2 | 15% | 25% | Mobile App | Geico |
 | #3 | 20% | 25% | Extensive Discounts | Allstate |
 | #4 | 10% | 10% | Flexible Policies | Progressive |
 | #5 | 10% | 25% | Cheapest Rates | Erie |
 | #6 | 18% | 20% | Bundling Benefits | Nationwide |
 | #7 | 13% | 13% | Usage-Based Savings | Travelers |
 | #8 | 12% | 25% | Customizable Coverage | Liberty Mutual |
 | #9 | 18% | 16% | Claims Service | Auto-Owners |
 | #10 | 15% | 5% | AARP Benefits | The Hartford |
State Farm has the best Dodge auto insurance coverage overall. Geico offers the most affordable rates, and Allstate excels with extensive discounts (Read More: Geico vs. Allstate Auto Insurance Showdown).
- State Farm offers reliable coverage and is the top pick for Dodge owners
- Dodge owners can find rates as low as $45 per month for minimum coverage
- Factors like model year and driving history impact Dodge insurance costs
Whether you’re searching for affordable premiums, flexible coverage, or customer satisfaction, these are the top providers that give you the best value when it comes to protecting your Dodge.
This guide will walk you through what each company has to offer. Start comparing auto insurance rates now by entering your ZIP code into our free comparison tool today.
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#1 – State Farm: Top Overall Pick
Pros
- Reputable Coverage: Ensures that Dodge owners get strong protection for all models with a long list of comprehensive coverage options.
- Customer 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
- Higher Premiums: At $140 per month for full coverage, State Farm’s rates are higher than those of many other insurers.
- Limited Customization: Some states have fewer options for policy customization, which may restrict flexibility for Dodge owners.
#2 – Geico: Best for Mobile App
Pros
- User-Friendly App: Everything you need to know about Geico includes a mobile app that makes Dodge insurance policy and claim handling easy.
- Affordable Rates: Geico offers competitive Dodge car insurance rates, with minimum premiums starting at $48 a month.
- Nationwide Availability: Geico operates throughout the U.S., offering the best auto insurance for Dodges coast to coast.
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’s basic plans may not be as customizable as those of other providers, which may not meet the needs of Dodge owners looking for more extensive coverage.
#3 – 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 insuring their Dodge vehicles.
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.
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#4 – Progressive: Best for Flexible Policies
Pros
- Flexible Policies: Everything you need to know about Progressive insurance includes its wide range of coverage options, making it an excellent choice for Dodge owners seeking personalized protection.
- Snapshot Program: Progressive Snapshot usage-based insurance allows drivers to track their driving habits for potential Dodge auto insurance discounts.
- Competitive Rates: Progressive helps Dodge owners save money with minimum policy coverage starting at $55 per month.
Cons
- Variable Premiums: Rates can fluctuate based on your driving history, which could result in higher costs for Dodge owners with past incidents.
- Claims Experience: Some users report delays and dissatisfaction with Progressive’s claims process, which could impact those in need of fast assistance.
#5 – Erie: Best for the Lowest Rates
Pros
- Customer Satisfaction: Erie’s high ratings for customer satisfaction make it a solid choice for Dodge drivers who prioritize excellent service.
- Affordable Rates: Erie is known for having the cheapest Dodge auto insurance at $45 a month.
- Multi-Policy Discount: Dodge owners can save up to 25% when they bundle their auto and home insurance policies with Erie (Read More: Simplifying the Way You Shop for Insurance).
Cons
- Limited Availability: Erie is available in only 12 states, limiting access for some Dodge owners who may not be in the service area.
- Standard Coverage Options: Erie’s standard policies might lack some of the customization options that many of the best Dodge auto insurance companies offer.
#6 – Nationwide: Best for Bundling Auto & Home
Pros
- Bundling Benefits: Nationwide provides discounts for bundling auto and home insurance policies, making it an attractive option for those insuring their Dodge alongside other assets.
- A+ Rating: With an A+ rating from A.M. Best, Nationwide ensures reliable financial backing and claims support for the best Dodge auto insurance.
- Flexible Payment Plans: According to our Nationwide insurance review, it offers a range of payment options, helping Dodge owners find a plan that suits their budget.
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.
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#7 – Travelers: Best for Usage-Based Discount
Pros
- Usage-Based Savings: With the IntelliDrive program, Travelers offers discounts based on driving habits, rewarding safe drivers with lower Dodge auto insurance rates.
- 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 allow for a range of add-ons and endorsements on Dodge insurance policies. Check out its coverage options in our Travelers insurance review.
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.
#8 – 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.
#9 – Auto-Owners: Best for Claims Service
Pros
- Strong Claims Service: As per our Auto-Owners insurance review, the company is known for its reliable and efficient claims process.
- Excellent Financial Strength: With an A++ rating from A.M. Best, Auto-Owners provides strong financial stability for paying Dodge insurance claims.
- 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.
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#10 – The Hartford: Best for AARP Benefits
Pros
- AARP Benefits: 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 (Read More: The Hartford vs. Auto Club Insurance).
- Guaranteed Repairs: The Hartford guarantees repairs for the life of the auto loan or lease for Dodge drivers with gap insurance.
Cons
- Not Available to Non-AARP Members: Only seniors with an AARP membership 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.
Compare Dodge Auto Insurance Rates by Provider
Finding the best Dodge auto insurance means comparing both prices and discounts from top providers. Drivers looking to protect their Dodge vehicle at a reasonable cost can benefit from monthly rates as low as $45 per month for minimum coverage and $130 for full coverage.
Dodge Auto Insurance Monthly Rates by Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $60 | $155 |
| $53 | $137 |
| $45 | $130 |
| $48 | $135 |
| $65 | $160 |
| $52 | $138 |
| $55 | $145 |
| $50 | $140 |
| $62 | $158 |
| $58 | $148 |
Erie Insurance offers the lowest rates at $45 per month for minimum coverage and $130 for full coverage, but it’s only available in 12 states. Other competitive options with competitive rates nationwide are Geico and State Farm. Liberty Mutual and The Hartford are on the higher end but may offer additional benefits that justify the price.
Don’t just look at the price—make sure the discounts you qualify for actually align with your driving profile and vehicle features.
Jeff Root Licensed Insurance Agent
Leading insurers offer a variety of discounts specific to Dodge owners, including rewards for safe driving, bundling policies, and unique vehicle safety features.
Usage-based programs like Progressive’s Snapshot and Travelers’ IntelliDrive help tech-savvy drivers save more. Other driver-based incentives, such as AARP membership benefits from The Hartford or teen driver monitoring from Auto-Owners, can also help lower rates.
Read more: Car Insurance Discounts You Can’t Miss
Dodge Insurance Rates by Age and Driving Record
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 $280 monthly premium, but Dodge insurance for an 18-year-old with a DUI would increase to $420 per month.
Dodge Full Coverage Insurance Monthly Rates by Driving Record| Age | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| 18 | $280 | $320 | $355 | $420 |
| 25 | $180 | $210 | $240 | $310 |
| 35 | $140 | $170 | $195 | $260 |
| 45 | $130 | $155 | $180 | $240 |
| 55 | $120 | $145 | $170 | $230 |
| 65 | $125 | $150 | $175 | $235 |
As drivers mature, rates typically decrease. A 25-year-old pays about $180 per month for a clean record, but rates rise to $310 if they have a DUI. For older drivers, such as a 45-year-old with a clean record, the monthly cost can drop to $130, while the same driver with a DUI might pay $240 per month.
Read more: Hacks to Save More Money on Car Insurance
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Dodge Insurance Rates by Vehicle Age
The model year of your Dodge also determines the insurance costs. Recent models, which are more expensive and costly to repair, have higher rates.
Dodge Insurance Monthly Rates by Model Year| Model Year | Minimum Coverage | Full Coverage |
|---|---|---|
| 2025 | $125 | $310 |
| 2024 | $120 | $300 |
| 2023 | $115 | $290 |
| 2022 | $110 | $275 |
| 2021 | $105 | $260 |
| 2020 | $100 | $250 |
| 2019 | $95 | $240 |
| 2018 | $90 | $230 |
| 2017 | $85 | $220 |
| 2016 | $80 | $210 |
| 2015 | $75 | $200 |
As an example, a 2024 Dodge model commonly costs $165 per month to insure, while a 2023 model may be a little cheaper at $160. Contrarily, a 2015 model has a significantly lower rate of about $118 per month, reflecting the vehicle’s older age and reduced value.
Read more: What to Do If You Can’t Afford Your Auto Insurance
Dodge Insurance Rates by Model
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 models like the Caliber and Dart, while performance vehicles such as the Charger tend to come with higher full coverage costs.
Understanding how these rates differ by model can help you select the most budget-friendly option without compromising on protection.
Dodge Auto Insurance Monthly Rates by Model| Model | Minimum Coverage | Full Coverage |
|---|---|---|
| Dodge Avenger | $75 | $165 |
| Dodge Caliber | $70 | $155 |
| Dodge Challenger | $110 | $235 |
| Dodge Charger | $120 | $250 |
| Dodge Dart | $72 | $160 |
| Dodge Durango | $95 | $210 |
| Dodge Grand Caravan | $78 | $170 |
| Dodge Hornet | $88 | $195 |
| Dodge Journey | $82 | $180 |
| Dodge Nitro | $80 | $175 |
The table highlights the average monthly insurance premiums for a range of Dodge models, showing both minimum and full coverage options. From compact sedans like the Dart to family-friendly SUVs like the Durango, the data provides a clear comparison to help you navigate your insurance choices with confidence.
Choosing the right Dodge model goes hand in hand with finding the right insurance rate. By comparing average monthly rates across various models, you can ensure you’re getting the coverage you need at a price that fits your budget, whether you’re driving a practical Avenger or a bold Challenger.
Dodge Insurance Coverage Options & Cost
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.
Dodge Auto Insurance Cost by Coverage Type| Coverage Type | Monthly Rates |
|---|---|
| Minimum Liability | $58 |
| Full Coverage | $142 |
| Comprehensive Only | $82 |
| Collision Only | $97 |
| Non-Owner Policy | $48 |
| Usage-Based Insurance | $65 |
| High-Risk Policy | $210 |
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
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How to Save on Dodge Auto Insurance
When it comes to insuring your Dodge, there are several strategies that can significantly reduce your premiums. Discounts from top providers, smart policy adjustments, and careful driving all contribute to more affordable auto insurance.
The table below outlines common discounts offered by major insurers that can help lower the cost of Dodge auto insurance. These include savings for bundling policies, maintaining a clean driving record, being a good student, and participating in usage-based insurance programs.
Dodge Auto Insurance Discounts From Top ProvidersCompany | Bundling | Good Driver | Good Student | UBI |
|---|---|---|---|---|
| 25% | 25% | 25% | 30% |
| 16% | 25% | 20% | 30% |
| 25% | 23% | 15% | 30% |
| 25% | 26% | 15% | 25% |
| 25% | 20% | 12% | 30% |
| 20% | 40% | 18% | 40% |
| 10% | 30% | 10% | $231/yr |
| 17% | 25% | 35% | 30% |
| 5% | 15% | 12% | 20% |
| 13% | 10% | 8% | 30% |
- Bundling Discount: Save up to 25% by bundling car and home or renters insurance. Eligibility requires both policies to be with the same provider.
- Good Driver Discount: Save up to 40% with a clean driving record. Avoiding accidents and violations helps qualify for this rate cut.
- Good Student Discount: Save up to 35% for earning good grades. Most insurers require a 3.0 GPA or higher to be eligible.
- Usage-Based Insurance (UBI) Discount: Save up to 40% by enrolling in a telematics program. This discount rewards safe driving habits and lower annual mileage.
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:
- Maintaining a Clean Driving Record: Avoid accidents or traffic violations to lower premiums. Some insurers offer additional discounts for completing defensive driving courses.
- Utilizing 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.
- Increase Deductibles: Raising your deductible lowers monthly premiums. This is a cost-effective option for safe drivers who avoid claims.
- Pay Annually: Paying premiums in full annually rather than monthly can save money by avoiding processing fees and interest charges.
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.
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.
Your Guide to the Best Dodge Auto Insurance
Finding the best auto insurance for your Dodge vehicle involves comparing providers like State Farm, Geico, and Allstate, which offer competitive rates and discounts. State Farm is the top choice for reliable coverage, Geico for affordable rates, and Allstate for extensive discounts.
Dodge auto insurance rates are influenced by several factors, including age, driving history, and the model year of the car being insured. Monthly premiums can start as low as $45 for minimum coverage. However, younger drivers and those with DUIs typically pay significantly more.
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 auto insurance for Dodges. Get the lowest rates no matter how much coverage you need by entering your ZIP code into our comparison tool today.
Frequently Asked Questions
Is a Dodge Charger considered a sports car for insurance purposes?
Yes, the Dodge Charger is often classified as a sports car by insurers, especially high-performance trims. This classification can lead to higher Dodge car insurance costs compared to sedans.
What’s the best way to get cheap Dodge auto insurance?
The best way to get affordable Dodge auto insurance is by comparing quotes from multiple insurance providers, considering factors such as coverage limits, deductibles, and customer reviews. Explore your auto insurance options by entering your ZIP code into our free comparison tool today.
Is there a significant difference in insurance costs for different Dodge models?
Yes, the insurance cost can vary significantly depending on the Dodge model. Sports models like the Dodge Charger or Challenger typically have higher premiums due to their performance capabilities, while more economical models like the Dodge Dart may be less expensive to insure.
Read More: Everything You Need to Know About Luxury and Exotic Car Insurance
How much is insurance for a Dodge Challenger?
Insurance for a Dodge Challenger typically costs $110 per month for basic coverage and $235 for full coverage. Your final rate depends on your location, age, and driving record.
Is Dodge offering car insurance?
Dodge does not directly offer car insurance, but you can get a Dodge car insurance quote through partner insurers. Many dealerships assist with connecting you to affordable coverage options.
Who offers the best auto insurance coverage for a Dodge?
To find the best auto insurance for a Dodge, consider factors like coverage options, premiums, and customer service. State Farm, Geico, and Allstate typically have the best Dodge car insurance, but it’s important to compare auto insurance companies to find the best rates and coverage in your area.
What is the cheapest Dodge to insure?
The Dodge Caliber has the lowest insurance rates, averaging $70 per month for minimum coverage. It’s the most affordable option for drivers seeking cheap Dodge car insurance.
What is the Dodge Challenger’s insurance cost monthly?
The Dodge Challenger costs around $110 per month for minimum and $235 for full coverage. It ranks among the highest Dodge models in terms of monthly insurance rates.
How can I save on my best Dodge auto insurance premiums?
To save on your Dodge auto insurance, consider bundling policies, maintaining a clean driving record, and increasing your deductible. Many insurers also offer discounts for safety features on your vehicle, so check with your provider to see if any of your Dodge’s features qualify for discounts.
Read More: Ways You’re Wasting Money on Your Car
Will my insurance go up if I buy a Dodge Charger?
Yes, insurance for a Dodge Charger averages $120/month for minimum and $250 for full coverage. Its classification and performance can increase your overall insurance premium. Find the best auto insurance company near you by entering your ZIP code into our free quote tool.
What is the cost of Dodge car insurance?
Dodge car insurance cost varies by model—e.g., Charger at $250 and Caliber at $155 for full coverage. Get a Dodge car insurance quote to compare rates based on your profile and location.
Enter your zip code below to view companies that have cheap insurance rates.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.