Over the past year, Jerry has helped 29,250 Dodge drivers find better coverage and real savings. By analyzing real Dodge insurance policies, we know what owners are actually paying and what you can expect for each level of protection.
Competitive annual prices for Dodge drivers are currently around:
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$1,029 for basic coverage.
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$2,614 for standard coverage.
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$2,978 for premium coverage.
Of course, these are just reference points. Your actual rate depends on your Dodge model, driving history and where you live.
On average, Dodge drivers pay between $2,372 and $5,544 annually for full coverage, with an average premium around $4,490. That’s higher than the national average of $3,816, since high horsepower and performance parts can increase repair costs and risk ratings.
Already insured? Jerry pulls live quotes from top insurers so you can easily compare and see if you’re getting the best price and coverage. If we find a better deal, you can switch right away, even before renewal time. Jerry does the legwork to cancel your old policy and help get any refund you’re owed.
Fast track your Dodge insurance with Jerry.
How much does Dodge insurance cost?
Dodge insurance rates vary widely, but Jerry makes it easy to see what real drivers with your model and profile are paying today.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Even in the same city, two Dodge drivers can pay very different premiums. Jerry compares quotes from top insurers to help you find protection that fits your car, lifestyle and budget.
What’s the best Dodge car insurance?
Owning a Dodge means driving power, style and capability. Protecting that performance requires coverage that matches your car’s strength, not just the minimum required by law.
If your Dodge is leased or financed, your lender will require full coverage. You may also need gap insurance, which helps pay off your loan if your car is totaled.
Jerry recommends that Dodge drivers carry at least 100/300/100 liability with collision and comprehensive coverage. While that’s higher than most state minimums, it’s smart protection for vehicles with higher horsepower and advanced safety systems.
Whether you’re financing, leasing, or own your Dodge outright, there are several coverage options that can help protect your investment. Here are some of the most popular, what they include and why Dodge owners choose them.
Higher liability limits
Dodge models are built for performance, which means at-fault accidents can get expensive fast. Nearly half (44%) of Jerry Dodge drivers choose higher-than-minimum coverage.
Full coverage
Comprehensive and collision protect your Dodge from theft, weather damage and at-fault accidents. About 36% of Jerry Dodge drivers carry full coverage for peace of mind.
OEM parts coverage
Keeps your Dodge in peak condition after a claim with factory-approved parts and technicians trained for performance vehicles. Typically available for cars between three and ten years old.
New car replacement
Replaces your Dodge with a new one if it’s totaled early on. It’s a smart choice for newer vehicles or high-performance trims that cost more to repair.
Roadside assistance
Covers towing, jump-starts and lockouts. New Dodges come with roadside coverage for up to five years, though many drivers choose to extend it.
Rental reimbursement
Covers a rental vehicle while your Dodge is being repaired. Most insurers offer 30 to 45 days of coverage depending on your policy and state.
Gap insurance
Covers what’s left on your loan or lease if your Dodge is totaled. About 39% of all drivers add gap coverage when financing their vehicle.
Accident forgiveness
Keeps your rates steady after your first at-fault accident. Without it, Dodge drivers see average increases of over 22%.
See coverage options for your Dodge.
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Coverage definitions
4 smart ways Dodge drivers can shop and lower insurance costs
Finding the right car insurance means balancing power and protection with a good price that makes sense. For Dodge drivers, that balance can be tricky, as performance ratings, repair costs and safety features all affect how insurers calculate your rate.
Jerry’s experts help Dodge owners keep premiums manageable without sacrificing the strong coverage their cars deserve. Here are our top tips.
| How to save | Typical savings |
|---|---|
| Compare quotes | 33% to 55% among Dodge drivers |
| Stack discounts | 26% to 49% among Dodge drivers |
| Adjust coverage | 7% to 61% among all drivers |
| Keep a clean driving record | 10% among Dodge drivers |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Tip 1: Compare quotes before you renew
Not every insurer prices Dodge coverage accurately. Some overestimate repair costs or risk based on performance, while others undervalue your safety features. That leads to big price gaps for the same protection.
Here’s where Dodge drivers who saved most often switched last year after comparing rates with Jerry:
| Insurance carrier | Dodge drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 30% | 30% |
| Bristol West | 18% | 17% |
| National General Value Program | 12% | 20% |
| Root | 11% | 17% |
| Assurance America | 7% | 4% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Dodge drivers can save nearly a third by comparing quotes. Jerry shows live prices in real time so you can find your best deal before you buy.
Tip 2: Combine discounts for better savings
Dodge owners often qualify for multiple discounts, like safe-driver programs, multi-car policies and bundling home and auto. But insurers don’t always apply them automatically.
Jerry checks every option to make sure you’re not leaving savings on the table.
Key takeaway: Discounts can add up to more savings than raising deductibles alone.
Tip 3: Match your coverage to your Dodge
From muscle cars to family SUVs, every Dodge has different coverage needs, which usually start beyond the minimum amount required. Most owners start with full coverage and higher limits on newer or high-performance models, then adjust deductibles or extras as their vehicle ages.
Minimum
$79 – $176/mo
Offers the legal minimum limits, which vary by state.
Full
$150 – $341/mo
Includes minimum liability plus collision and comprehensive coverage.
Standard
$192 – $447/mo
Increases liability limits, adds things like UM/UIM, medical, towing & more.
Preferred
$214 – $498/mo
Raises liability further, lowers deductibles, expands extra coverages.
Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.
Why it matters: Most Dodge drivers with newer models choose full coverage and higher liability limits. Jerry experts recommend 100/300/100 for strong, balanced protection.
Tip 4: Keep a clean driving record
Even one violation can drive up your insurance costs. For Dodge drivers, a single speeding ticket or minor accident can raise premiums by an average of 10%. Bigger violations, like a DUI, will cost you even more.
Avoiding citations and maintaining safe habits behind the wheel helps keep your rates steady and your coverage affordable.
Methodology
Based on drivers aged 35-44 who requested standard coverage quotes through Jerry, driving one vehicle (model years 2015 or newer), over the past 18 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Jerry Proof: Real Tesla drivers, real savings
Curious how much Dodge owners save? Here are real Dodge drivers, their vehicles and the deals they found by comparing quotes with Jerry.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Customer feedback: Drivers who switched with Jerry rate us 4.6 out of 5 stars on Trustpilot.
Drive with confidence
Dodge insurance costs can vary, but paying more than you should doesn’t have to be part of the ride. Whether you drive a Charger, Challenger or Durango, Jerry helps you find coverage that matches Dodge’s power, safety and spirit, all at a fair price.
We compare top insurers, find every discount and manage renewals so your protection stays as strong as your car.
It only takes 2 minutes to sign up at Jerry.
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent 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, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, 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 SCUBA diving, reading a good book, and traveling the world with her family.
Methodology
Statistics and conclusions presented in this article based on drivers who requested quotes through Jerry over the past 12 months and who had no accidents or violations, unless otherwise indicated. Quotes and coverage not available for all customers. Not all customers find savings.
