How Much Is Dodge Insurance by Model?
Discover how much you can expect to pay to insure your Dodge this year.
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Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Dodge remains an extremely popular manufacturer in the U.S. to this day. Regardless of the model, owners of a Dodge vehicle need to be protected by the right coverage. A sturdy car insurance policy can help protect your vehicle from costs related to accidents, liability, and more. The overall current national average for car insurance is $1,311 per year, and every model of Dodge we compared came in quite a bit above this rate. Currently, Dodge insurance costs about $1,7484.19 annually.
An independent insurance agent can help you get set up with the right type of car insurance for your specific Dodge model and your needs. They'll ensure you get the right policy for you. But first, here's a breakdown of Dodge insurance.
In this article:
How Much Does a Dodge Cost to Insure by Model?
Is Every Model of Dodge Expensive to Insure?
Why Do Insurance Costs Differ between Dodges?
How Much Is Car Insurance for a Dodge SRT Hellcat Series?
How Much Is Car Insurance for a Dodge Challenger?
How Much Is Car Insurance for a Dodge Challenger R/T?
How Much Is Car Insurance for a Dodge Charger?
What Other Factors Affect Dodge Insurance Costs?
How to Save the Most Money on Dodge Insurance
How Much Does a Dodge Cost to Insure by Model?
The vehicle's make and model are major factors that influence the cost of a car insurance policy. So, your car insurance might cost a lot more or less depending on the model you own. We've compared a handful of popular Dodge models and their average car insurance rates to provide a better picture.
| Dodge Model | Average Cost of Car Insurance Per Year |
|---|---|
| Dodge Challenger SRT Hellcat Series | $2,522.75 |
| Dodge Challenger | $1,596.00 |
| Dodge Challenger R/T | $1,536.50 |
| Dodge Charger | $1,481.50 |
No matter which model of Dodge you drive, an independent insurance agent in your area can help you find affordable car insurance near you.
Is Every Model of Dodge Expensive to Insure?
Car insurance rates for Dodges vary depending on the specific model you need coverage for. Dodges are considered a bit expensive to insure, considering all the models we compared had higher rates than the overall national average for car insurance.
Trusted Choice evaluated four of the most popular Dodge models, each with different car insurance rates, to better demonstrate a price range for you. Our findings indicated that the Dodge Challenger SRT Hellcat Series is by far the most expensive to insure, while the Dodge Charger is the least expensive, and the other models come in somewhere in the middle.
Why Do Insurance Costs Differ between Dodge Models?
When it comes to insurance premium rates, it's all about the perceived risk by the insurance company. If a certain model of Dodge is expected to be stolen at a higher rate, get into a crash more easily than others, or be in need of more repairs, it's seen as a riskier model that must come with higher premiums. Being classified as a sports car, the Dodge Challenger SRT Hellcat Series has the highest premiums on our list by far.
Car insurance premiums can be more affordable for vehicle models with less risk of accidents, repair needs, or theft. From our list, the Dodge Charger falls into this category. As a result, car insurance for this model and others considered less risky by car insurance carriers are cheaper to insure.
How Much Is Car Insurance for a Dodge Challenger SRT Hellcat Series?
Our research found that the most expensive model of Dodge to insure is the Dodge Challenger SRT Hellcat Series, with an average premium rate of $2,522.75 per year. Here's a look at some average insurance costs for this model from top-rated insurance carriers.
| Insurance Companies | Average Annual Cost |
|---|---|
| USAA | $2,603 |
| Nationwide | $1,773 |
| Progressive | $2,689 |
| Allstate | $3,026 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $210.23 | $2,522.75 |
How Much Is Car Insurance for a Dodge Challenger?
The Dodge Challenger costs a bit less to insure than the Dodge Challenger SRT Hellcat Series, with an average premium rate of $1,596 per year. According to our findings, it's the second-most expensive model of Dodge to insure.
| Insurance Companies | Average Annual Cost |
|---|---|
| USAA | $1,238 |
| Nationwide | $1,693 |
| Progressive | $1,598 |
| Allstate | $1,855 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $133.00 | $1,596.00 |
How Much Is Car Insurance for a Dodge Challenger R/T?
The Dodge Challenger R/T is the third most expensive model we compared to insure, with an average annual premium of $1,536.50. Still, it's a more affordable option, coverage-wise, than the SRT Hellcat Series or the traditional Challenger model.
| Insurance Companies | Average Annual Cost |
|---|---|
| USAA | $1,218 |
| Nationwide | $1,511 |
| Progressive | $1,564 |
| Allstate | $1,853 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $128.04 | $1,536.50 |
How Much Is Car Insurance for a Dodge Charger?
The Dodge Charger is the least expensive model to insure out of the four Dodges we compared. At an average of $1,481.50 per year, its premiums are still higher than the overall national average for car insurance. However, of the models cited here, it's the most affordable Dodge to cover with a car insurance policy.
| Insurance Companies | Average Annual Cost |
|---|---|
| USAA | $1,161 |
| Nationwide | $1,557 |
| Progressive | $1,516 |
| Allstate | $1,692 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $123.46 | $1,481.50 |
What Other Factors Affect Dodge Insurance Costs?
Premium rates for car insurance depend on more than a vehicle's make and model. Aside from those factors, car insurance rates are also influenced by:
- Driver history
- Driver credit score
- Coverage levels selected
- Deductible amount selected
- Location
Not only that, but the insurance company you choose also factors into your car insurance rates. However, you can possibly score a discount if you bundle your auto insurance with another product, such as home insurance, through the same carrier. An independent insurance agent can also help you find the best car insurance rates in your area.
Methodology
To compare average prices for Dodge insurance by model, Trusted Choice evaluated average car insurance quotes for each model as if the driver were a 40-year-old male in need of "full coverage," meaning an auto insurance policy that includes the following:
- Bodily injury liability coverage of $100,000 per person and $300,000 per accident
- Property damage liability coverage of $100,000 per accident
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Depending on your location, quotes for coverage may vary. Ask a local independent insurance agent to help you find specific Dodge insurance quotes in your area.
FAQs about Dodge Insurance
After comparing four popular Dodge models and rates from a handful of top-rated insurance companies for each, we found that the average cost to insure a Dodge this year is about $1,784.19 annually.
Our research found that the Dodge Challenger SRT Hellcat Series was by far the most expensive model to insure, at an average of $2,522.75 annually. This model is classified as a sports car, which can heavily impact insurance premium rates.
Our research found that the Dodge Charger was the cheapest Dodge to insure of the four models we compared. A car insurance policy for a Dodge Charger this year averages about $1,481.50.
How to Save the Most Money on Dodge Insurance
Working together with an independent insurance agent can be your best bet at saving the most money possible on Dodge insurance. An independent insurance agent can shop and compare policies from many different local carriers for you. Even better, they'll help you score any discounts you're eligible for to bring those rates down even further.
https://www.moneygeek.com/insurance/auto/dodge-car-insurance/