One of the biggest players in America’s love affair with motor vehicles, Dodge is known for power, style and, well, more power. Originating as a parts supplier for the very first Fords, the company boosted its reputation as a strong WWII vehicle supplier and later, in 1953, when a Dodge vehicle was first entered into — and subsequently won — races in NASCAR. Dodge then cemented its reputation with the 1966 Dodge Charger and, just a few years later, the Challenger.
While Dodge was one of the most popular American brands in the 90s and mid-2000s, COVID-19, chip shortages, inflation and the discontinuation of key vehicles has impacted sales in recent years. Even still, this American-manufactured car brand is continuously investing in new products and electric models to maintain a foothold in the modern U.S. market, though its current lineup is just four models deep.
Dodge vehicle drivers pay an average of $3,685 per year for car insurance, but average costs are not a good indicator of what your own policy might cost, especially if you drive a Dodge sports car or other model that’s expensive to insure. The only way to truly understand how much your car insurance will cost is to compare car insurance quotes for your own car and characteristics.
How much does Dodge car insurance cost?
On average, Dodge car insurance costs $374 per month for full coverage, according to the most recent analysis of Jerry data. Minimum liability coverage costs an average of $158 per month.
Here’s what Dodge drivers can expect to pay, by vehicle model, for full coverage car insurance, based on recent Jerry insurance quotes.
|
Dodge Model
|
Average full coverage cost
|
|---|---|
| 600 | $70 |
| Aries | $233 |
| Avenger | $305 |
| Caliber | $275 |
| Caravan | $186 |
| Challenger | $491 |
| Charger | $500 |
| Colt | $438 |
| Dakota | $228 |
| Dart | $320 |
If you have a loan or lease on your vehicle, the lender will require
If full coverage insurance isn’t required for your vehicle and you don’t feel underprotected with minimum liability insurance, here’s what you can expect to pay for car insurance on different Dodge models, based on recent quotes for Jerry customers.
|
Dodge Model
|
Average minimum coverage cost
|
|---|---|
| 600 | $48 |
| Aries | $145 |
| Avenger | $156 |
| B300 | $26 |
| Caliber | $149 |
| Caravan | $110 |
| Challenger | $171 |
| Charger | $191 |
| Colt | $685 |
| Dakota | $130 |
Factors that impact Dodge car insurance costs
Insurance premiums are calculated for each individual driver using multiple different factors. These include things like the Dodge model you drive, how old it is and whether it’s a car, SUV or truck. Insurance companies will also take personal factors into consideration when calculating rates, including your age, gender, location, driving history and how much coverage you want to buy.
When buying Dodge car insurance, here are some things that can affect your premium.
- Vehicle safety. The safer your vehicle, the less you may pay for insurance. While no Dodge vehicles earned IIHS top safety pick ratings for 2025, features like collision warnings and blind spot detection — things that make it easier to avoid accidents — may help reduce premiums.
- Vehicle value. The more your car costs to repair or replace, the more you can expect insurance to cost. Expensive models, like the Dodge Charger Scat Pack with a starting MSRP of $73,985, are generally more expensive to insure.
- Engine size and power. Large engines, higher horsepower and racing features are commonly associated with a great risk of accidents, speeding tickets and fatalities, so you’ll likely pay more to insure these high-performance vehicles than you would a family-focused sedan.
- Replacement parts availability. If you choose a Dodge model that’s difficult to repair or replace, or parts are hard to find, you may pay more for insurance. This is especially important when it comes to electric and hybrid models, which Dodge has started rolling out in recent years.
Average cost of Dodge car insurance by state
Even for the same Dodge vehicle, car insurance premiums will differ from one state to another. Not only does each state have its own car insurance requirements, but different states have unique risks that impact insurance costs. Factors like population, accident and theft rates, driver density and natural disasters can all increase your risk and, in turn, your rates.
Here’s a look at average Dodge car insurance rates by state.
|
State
|
Average full coverage cost
|
|---|---|
| AL | $270 |
| AR | $298 |
| AZ | $366 |
| CA | $341 |
| CO | $343 |
| CT | $413 |
| DC | $627 |
| DE | $334 |
| FL | $454 |
| GA | $486 |
Best companies for Dodge car insurance
The Jerry editorial team analyzes data to evaluate the best car insurance companies each year, based on various industry ratings and factors. Some common variables include subsidiary complaints, insurer financial strength ratings and claims satisfaction.
Here are our top picks for the best car insurance companies of 2025 and the ratings Jerry has assigned each one.
| Insurance company | Best for: | Jerry star rating (out of 5) |
|---|---|---|
| Geico | Overall car insurance. | 5 |
| Auto-Owners | Small insurance company. | 4.9 |
| Nationwide | Usage-based insurance. | 4.7 |
| Allstate | Discounts. | 4.7 |
| Farmers | Customizable options. | 4.6 |
| Progressive | Loyal policyholders. | 4.6 |
These companies may be a good fit for most drivers. However, some insurers are only available in certain states or have a better reputation in one state versus another.
You can learn more about the best car insurance companies in your state by checking out the chart below.
Cheapest car insurance companies for Dodge cars
The cheapest car insurance company for Dodge drivers is Aspire Advantage with an average monthly premium of $179, according to Jerry’s analysis of full coverage insurance rates.
Here are the cheapest Dodge car insurance companies if you’re looking to buy full coverage.
|
Insurance Company
|
Average full coverage cost
|
|---|---|
| Aspire Advantage | $179 |
| Anchor General | $188 |
| Mercury | $227 |
| Safeco | $257 |
| AAA | $271 |
Full coverage won’t be the cheapest insurance option you can find, though it is usually the smartest and the only kind that protects the investment in your Dodge. Unless you can afford to replace or repair your vehicle after an at-fault accident, theft or other damage, consider buying comprehensive and collision coverage for your car. They both pay for damage regardless of who caused it.
That said, minimum liability coverage is usually the cheapest insurance available, while still allowing you to legally drive in your state. This liability coverage won’t protect your vehicle and often isn’t enough to cover full injury or property damage costs after an at-fault crash, however.
|
Insurance Company
|
Average minimum coverage cost
|
|---|---|
| Mercury | $84 |
| Aspire Advantage | $92 |
| Anchor General | $104 |
| Geico | $116 |
| Safeco | $118 |
Dodge Charger insurance costs
The average cost to insure a Dodge Charger with full coverage in 2025 was $500 per month, based on data from recent quotes to real Jerry customers.
The Dodge Charger is a full-size sedan with muscle car performance and aggressive styling. Combining powerful engine options with a comfortable design, it appeals to drivers who want a spoonful of muscle car attitude without sacrificing everyday usability. It has a starting MSRP of $59,595 for the 2025 R/T model and $73,985 for the Scat Pack version.
But with the Charger’s performance and popularity can come higher insurance costs. Models with larger engines, like the Scat Pack and Hellcat, often carry higher premiums due to increased repair costs and higher accident risk. Theft rates for certain Charger trims can also push rates up in some areas. Knowing how your Charger’s model year, trim, and features impact insurance can help you shop for the best coverage.
Here are the average Charger insurance rates that drivers have been quoted for minimum liability and full coverage.
|
Dodge Charger trim
|
Average min coverage monthly cost
|
|---|---|
| Dodge Charger | $184 |
| Dodge Charger Daytona R/T | $100 |
| Dodge Charger Daytona Scat | $131 |
| Dodge Charger Gt | $194 |
| Dodge Charger Police | $190 |
| Dodge Charger Rallye | $338 |
| Dodge Charger R/T | $189 |
| Dodge Charger R/T 392 | $191 |
| Dodge Charger R/T Scat Pac | $220 |
| Dodge Charger Scat Pack | $191 |
|
Dodge Charger trim
|
Average full coverage monthly cost
|
|---|---|
| Dodge Charger | $351 |
| Dodge Charger Daytona R/T | $496 |
| Dodge Charger Daytona Scat | $674 |
| Dodge Charger Gt | $581 |
| Dodge Charger Police | $445 |
| Dodge Charger Rallye | $762 |
| Dodge Charger R/T | $534 |
| Dodge Charger R/T 392 | $559 |
| Dodge Charger R/T Scat Pac | $499 |
| Dodge Charger Scat Pack | $620 |
Dodge Hornet insurance costs
The average cost to insure a Dodge Hornet with full coverage in 2025 was $391 per month, based on data from recent quotes to real Jerry customers.
The Dodge Hornet is a powerful, compact SUV that packs big attitude. With sharp styling, a turbocharged engine and the option for a plug-in hybrid R/T model, it brings Dodge’s performance-first personality to the crossover segment. Designed to stand out in a crowded market, the Hornet combines spirited driving dynamics with everyday practicality, with a starting MSRP of $31,400 for a base GT up to a starting MSRP of $46,745 for the R/T Plus.
That bold personality can influence insurance costs. Sportier trims like the R/T or R/T Plus may carry higher premiums due to increased horsepower, while the hybrid R/T could qualify for discounts thanks to its efficiency and advanced safety tech. Either way, understanding how your Hornet’s features and trim level affect rates can help you lock in the best coverage.
Here are the average Hornet insurance rates that drivers have been quoted for minimum liability and full coverage.
|
Dodge Hornet trim
|
Average min coverage monthly cost
|
|---|---|
| Dodge Hornet Gt | $113 |
| Dodge Hornet R/T | $149 |
| Dodge Hornet R/T Plus | $271 |
|
Dodge Hornet trim
|
Average full coverage monthly cost
|
|---|---|
| Dodge Hornet Gt | $365 |
| Dodge Hornet Gt Plus | $363 |
| Dodge Hornet R/T | $444 |
| Dodge Hornet R/T Plus | $434 |
Dodge Durango insurance costs
The average cost to insure a Dodge Durango with full coverage in 2025 was $344 per month, based on data from recent quotes to real Jerry customers.
The Dodge Durango is a midsize SUV that offers a rare mix of utility and performance. With seating for up to seven, strong towing capabilities and available V8 engine options, it appeals to families and drivers who need a vehicle with extra power.
When it comes to insurance, the Durango’s size and performance can play a big role in costs. Base models with standard safety features, like the $38,495 MSRP GT, tend to have more affordable premiums. On the other hand, higher trims like the SRT Hellcat Hammerhead, Silver Bullet or Brass Monkey editions — with a starting MSRP of $101,290 — often cost more to insure due to higher repair and replacement costs. Theft rates and advanced tech features may also impact your rates depending on the model year and location. Anything that would be costly to repair — so, anything on a costly vehicle — translates to higher insurance costs.
Here are the average Durango insurance rates that drivers have been quoted for minimum liability and full coverage.
|
Dodge Durango trim
|
Average min coverage monthly cost
|
|---|---|
| Dodge Durango | $137 |
| Dodge Durango Adventurer | $69 |
| Dodge Durango Citadel | $159 |
| Dodge Durango Crew | $152 |
| Dodge Durango Enforcer | $165 |
| Dodge Durango Express | $185 |
| Dodge Durango Gt | $170 |
| Dodge Durango Limited | $166 |
| Dodge Durango R/T | $179 |
| Dodge Durango Se | $96 |
|
Dodge Durango trim
|
Average full coverage monthly cost
|
|---|---|
| Dodge Durango | $233 |
| Dodge Durango Adventurer | $126 |
| Dodge Durango Citadel | $332 |
| Dodge Durango Crew | $320 |
| Dodge Durango Enforcer | $455 |
| Dodge Durango Express | $370 |
| Dodge Durango Gt | $369 |
| Dodge Durango Limited | $323 |
| Dodge Durango R/T | $404 |
| Dodge Durango Se | $216 |
Dodge Ram 1500 insurance costs
The average cost to insure a Dodge Ram 1500 with full coverage in 2025 was $240 per month, based on data from recent quotes to real Jerry customers.
The Ram 1500 is a full-size pickup truck that blends towing and hauling capabilities with a smooth ride and a range of upscale features. With multiple trims, cab configurations and engines — including a fuel-efficient diesel version and the high-powered TRX trim — the Ram 1500 can appeal to both worksite professionals and everyday city drivers.
These variations can have a big impact on insurance costs. Entry-level models with standard safety features and lower repair costs, like the $40,275 MSRP Tradesman trim, tend to have more affordable premiums. In contrast, higher trims and specialty versions, like the $87,320 MSRP Tungsten, often cost more to insure due to their powerful engines, higher value and increased theft risk. Other factors that impact rates include whether the truck is intended for personal or commercial use, your location and additional safety or anti-theft features.
Here are the average Dodge Ram 1500 insurance rates that drivers have been quoted for minimum liability and full coverage.
|
Dodge Ram 1500 trim
|
Average min coverage monthly cost
|
|---|---|
| Dodge Ram 1500 | $128 |
| Dodge Ram 1500 Laramie | $146 |
| Dodge Ram 1500 Longhorn | $106 |
| Dodge Ram 1500 Slt | $156 |
| Dodge Ram 1500 Sport | $117 |
| Dodge Ram 1500 St | $120 |
|
Dodge Ram 1500 trim
|
Average full coverage monthly cost
|
|---|---|
| Dodge Ram 1500 | $233 |
| Dodge Ram 1500 Laramie | $318 |
| Dodge Ram 1500 Longhorn | $218 |
| Dodge Ram 1500 Slt | $274 |
| Dodge Ram 1500 Sport | $251 |
| Dodge Ram 1500 St | $222 |
Dodge Ram 2500 insurance costs
The average cost to insure a Dodge Ram 2500 with full coverage in 2025 was $244 per month, based on data from recent quotes to real Jerry customers.
The Ram 2500 is a heavy-duty pickup truck built for serious towing, hauling and off-road capability. With powerful gas and diesel engine options, multiple trims and available advanced tech and safety features, the 2500 is designed for both demanding job sites and recreational use.
Insurance rates for the Ram 2500 can vary widely depending on the trim, engine size, and intended use. Base models like the $45,565 Tradesman typically cost less to insure, while higher trims or trucks equipped with Cummins turbo diesel engines — like the $73,460 MSRP Limited — may come with higher premiums due to their increased value and repair costs. Commercial use, location and additional safety or anti-theft equipment also play a significant role in determining coverage costs.
Here are the average Dodge Ram 2500 insurance rates that drivers have been quoted for minimum liability and full coverage.
|
Dodge Ram 2500 trim
|
Average min coverage monthly cost
|
|---|---|
| Dodge Ram 2500 | $113 |
| Dodge Ram 2500 Laramie | $150 |
| Dodge Ram 2500 Slt | $137 |
| Dodge Ram 2500 St | $118 |
|
Dodge Ram 2500 trim
|
Average full coverage monthly cost
|
|---|---|
| Dodge Ram 2500 | $221 |
| Dodge Ram 2500 Laramie | $307 |
| Dodge Ram 2500 Slt | $261 |
| Dodge Ram 2500 St | $326 |
How to be sure you have enough coverage for your Dodge
When shopping for Dodge car insurance, choose a policy that protects you, your passengers and your vehicle — for this, full coverage is often the best choice. Adding comprehensive, collision, medical payments (MedPay) and uninsured/underinsured motorist (UM/UIM) coverage can help safeguard you from a wide range of unexpected losses.
| Coverage | Definition |
|---|---|
| Collision insurance | An optional coverage type that pays to repair or replace your car if it’s damaged in a collision with another vehicle. You can only file an accident-related claim for your vehicle’s repairs if your policy has collision coverage. |
| Comprehensive insurance | An optional coverage type that covers damage to your vehicle caused by non-collision hazards, such as car theft, falling tree branches, hail and other unexpected events. |
| Bodily injury liability (BI) | Pays others’ medical costs in an accident you cause, up to your policy limits. It’s mandatory in most states. |
| Property damage liability (PD) | Pays for repairs or replacements of any vehicles or objects you damage in a crash, up to your policy limits. It’s mandatory in most states. |
| Personal injury protection (PIP) | Helps cover medical expenses for you and your passengers after a car accident, regardless of who caused it. This is required in some states. |
| Medical payments | Additional coverage outside of PIP that pays for medical care for you and your passengers after an accident, regardless of who caused it. This is optional in most states. |
| Uninsured/underinsured motorist coverage (UM/UIM) | Covers you, your passengers and any property damage in a case where the other driver is at fault but doesn’t have insurance, or carries insufficient coverage to pay for your costs. This is required in some states. |
While state-mandated minimum coverage will meet basic insurance requirements and protect you against liability, it doesn’t cover your own car if it’s stolen, vandalized or you’re in an at-fault accident. It’s not usually enough to cover all of someone else’s expenses if you’re responsible for an accident, either.
When comparing Dodge insurance quotes, make sure you’re matching apples to apples. Always check that liability limits are the same, deductibles are set at an amount you can comfortably afford and all possible discounts have been applied. Also be sure to provide as much accurate information as you can when requesting quotes. This ensures that you get the best and most precise estimates possible, with no surprises when it’s time to buy.Consider adding optional coverages like roadside assistance, new car replacement or rental car reimbursement. If you’re still paying off a loan or lease, gap insurance can be a smart addition — it covers the difference between what you owe and your Dodge’s actual cash value (ACV) if it’s totaled.
FAQ
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Does insurance cost more for Dodge sports cars like the Challenger or Scat Pack?
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Why are Dodge Chargers and Challengers frequently stolen vehicles?
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How can I lower my insurance costs for a high-performance Dodge?
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Do I need gap insurance for my Dodge?
Stephanie Colestock is a seasoned writer specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, credit and debt management, banking, investing, retirement planning, and household finances.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Forbes, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys helping individuals make smarter financial decisions through her engaging and well-researched articles.
Lacie Glover is a Lead Writer and Editor with sixteen years’ experience in the insurance category. Prior to Jerry, she spent more than a decade on NerdWallet’s content team writing, editing and then overseeing the auto insurance category, as well as dabbling in other insurance and automotive topics. Prior to her career in the online personal finance content space, Lacie spent time in the hard sciences, in clinical research and chemistry labs. She has a bachelor’s degree from Colorado State University.
