Best Car Insurance for Dodge 2022
Searching for the best prices on your car insurance?
No long forms · No spam · No fees
Dodge combines a bold appearance with the fun-to-drive attitude of a compact car. It redefines your expectations of a subcompact while delivering more of what you want. You may wonder, what about its premium?
If you own a Dodge, on average you'll have to pay $1,905 each year for car insurance. However, what kind of car you drive can greatly affect how much you pay for your insurance. For $1,343 less per year, you can insure a Ram 3500 than a Durango Sport.
Here's what drivers pay when they switch with Carlay
Browse through the list of how much Dodge owners saved in their insurance after going to Carlay:
|Quote Date||Car||City, State||Zip Code||Age||Carrier||BeforeCarlay||AfterCarlay|
|March 24, 2022||Dodge Challenger Srt Hellcat Redeye||Fort Bragg, NC||28310||22||National General||$325/mo.||$61/mo.|
|July 23, 2022||Dodge Charger SXT||Phoenix, AZ||85014||35||ClearCover||$129/mo.||$76/mo.|
|August 11, 2022||Dodge Challenger R/T 392||Haymarket, VA||20169||28||Electric||$160/mo.||$135/mo.|
|October 11, 2022||Dodge Challenger R/T||Woodstock, GA||30188||23||ClearCover||$250/mo.||$208/mo.|
|August 13, 2022||Dodge Challenger SXT||Wellington, FL||33414||22||Mercury||$320/mo.||$277/mo.|
Best insurance carriers for your Dodge
- Pricing and Reviews
When you shop for car insurance, you'll find that different companies take different things into account when calculating their premiums. Their rating factors, like your age and where you live, will determine how much you pay.
Even though each company has some basic criteria for determining rates, there are always different factors to consider—and that means your rates can vary across insurers. At just $1,024 a year, Aspire Advantage offers the cheapest auto insurance for Dodge drivers.
Here are some popular carriers for Dodge:
Nationwide offers insured drivers many options for car insurance. Its premiums are considerably higher than average (up to $1179), but that's partially because the coverage is so robust. Benefits include a clean driving record discount, traffic safety program discount, and a safe-driving app that warns drivers to avoid speeding, braking hard, and turning too sharply. Nationwide also has an online platform and mobile app, along with an award-winning customer service department. All these perks add up to a rating of 4.6/5 from Carlay.
Progressive is a national car insurance company that offers both auto and home coverage. With Progressive, you can choose any combination of coverage to meet your needs, including: options to protect your vehicle and its safety features, available discounts for your clean driving record, as well as options to provide additional protection when you need it most. The best part? Progressive typically quotes lower premiums than other insurers of comparable quality. No doubt, Carlay rates it a 4.6 out of 5.
For high-risk drivers and those looking for a lower rate, check out Kemper insurance. This is good for drivers who need a little extra help saving money on their car insurance and that have had some trouble with claims in the past. This is because it files SR22 forms for the drivers. They even insure rebuilt salvage cars, which may otherwise be considered too risky to protect. Carlay gives Kemper a rating of 4.3 out of 5.
Other than the claims-free cashback program, Safeco also offers a number of other perks. For instance, its mobile app was rated one of the best for car insurance in 2019. It has an exceptional user interface and is designed to help policyholders stay on top of their coverage. Additionally, Safeco offers 24/7 roadside assistance, making Carlay give Safeco 4.5 stars.
With flexible insurance options, Travelers helps good students and safe drivers save on premium costs. Additionally, they have optional add-on policy features that are designed to lower premiums such as accident forgiveness and new car coverage. Carlay team gives Travelers a 4.7/5 rating based on their exceptional customer service and claims process.
State Auto offers a variety of auto insurance coverage options, helping drivers to be covered for the type of vehicle they drive and the level of coverage they want. State Auto has received 4.1 out of 5 stars from Carlay for its overall financial strength, claims satisfaction and price shopping.
If you have three or more traffic violations, or have been convicted of a DUI, you're probably considered a high-risk driver. With coverage options and claim service in most states, National General has an insurance policy for you and your vehicle. We're so confident that you'll be satisfied with the quality of our services and claim operations, we'll even waive your deductible if you aren't satisfied.
When you select Dairyland, you'll receive a car insurance policy that gives you peace of mind, by protecting you from any accidents and expenses. Dairyland's products offer flexibility with payment plans and 24/7 live claims support and service in most states. Carlay rated Dairyland a 4.6 out of 5.
Evolve your car insurance with Clearcover. This innovative provider lets you file a claim, pay your bill, and access proof of insurance—all while keeping communication entirely online. Now their customers can save even more on vehicle coverage with discounts including an exclusive 10% off member rate. Carlay rates Clearcover a 4.1 out of 5 on their 0-5 scale.
- How to compare prices to find the most affordable coverage
Each company has its own method for determining rates. This means that even if you're comparing the exact same coverage with multiple companies, you can end up with different quotes.
When shopping for insurance, don't get dazzled by flashy advertisements. Pace yourself, think things through, and make sure you're not giving up coverage you really need to save a bit of cash. Doing so could leave you stuck financially in the event of an accident.
It can be hard to go through the process of getting an insurance quote online. You have to enter tons of information and it can take you ages to get the information you want.
Carlay is a personal insurance broker that lives in your pocket. Once you download the app, open it up and answer a few simple questions about yourself. You'll get quotes for comparable car insurance plans by the time you finish reading the sports section.
Carlay customers save an average of $879 a year on their car-related expenses and services. And the best part is, you don't have to pay a thing. Carlay has created a program that will quickly help you find the best insurance quotes for you. All you need to do is enter your data and Carlay will find top providers for you, without filling out long forms or making phone calls. You will get coverage from the best insurers in your area, with no hassle.
|Rank||Company name||Avg. Annual Premium|
To help you find the best car insurance policy, Carlay gathers quotes from multiple carriers and updates them monthly. Carlay's simple interface makes it easy for you to browse multiple coverage options, so you can make informed decisions about your auto insurance quickly and easily.
Cost of insuring a Dodge
- Cost of insuring with minimum coverage and full coverage
You might have to pay $1,803 annually for minimum coverage from your insurance company if you get a Dodge and $2,844 for full coverage. On average, when you take into account all makes and models, the annual cost of car insurance in the US is $1,783 for a minimum policy and $2,485 to cover every part of your car.
Insurance companies will charge you different rates to insure your Dodge, depending on the coverage you choose. Below is a list of types of insurance your state may make mandatory:
|Coverage type||Protection offered|
|Bodily injury liability (per person and per accident)||Pays for the costs associated with the injuries you've caused to others|
|Property damage liability (per accident)||Pays for the costs associated with damage you cause to other people's vehicles or property|
|Uninsured motorist protection (per person and per accident)||Applies when a car accident isn't your fault but the at-fault driver doesn't have liability insurance to pay for your injuries or property damage|
|Underinsured motorist protection (per person and per accident)||Applies when the at-fault driver has liability insurance, but it isn't enough to cover your injuries or property damage|
|Personal injury protection (per person and per accident)||Pays for your own medical expenses after a car accident|
It's always a good idea to purchase additional insurance for which you can comfortably afford in the event of an unforeseen situation.
You can easily get into a serious accident that can result in thousands of dollars' worth of damage to your vehicle. If you are at fault but do not have enough car insurance coverage, you will be held responsible for paying the costs out-of-pocket.
To protect yourself from financial risk, you should purchase full-coverage insurance when leasing or financing a Dodge. You may also wish to opt for full coverage if you own your vehicle outright and cannot afford to replace it if it's totaled. Collision insurance and comprehensive insurance, as well as liability coverage required by law, make up a "full coverage" policy.
|Coverage type||Protection offered|
|Collision||Applies if you get into a collision with someone else's vehicle or an object|
|Comprehensive||Applies when your car is damaged by something other than a collision or rollover, like a weather event or vandalism|
Here's a comparison of the insurance costs when Carlay has minimum coverage and full coverage with his Dodge.
|All Coverage BeforeCarlay||All Coverage AfterCarlay||Minimum Coverage BeforeCarlay||Minimum Coverage AfterCarlay||Full Coverage BeforeCarlay||Full Coverage AfterCarlay|
|All Coverage BeforeCarlay||$2,615|
|All Coverage AfterCarlay||$1,763|
|Minimum Coverage BeforeCarlay||$2,283|
|Minimum Coverage AfterCarlay||$1,357|
|Full Coverage BeforeCarlay||$2,719|
|Full Coverage AfterCarlay||$2,024|
- Cost of insuring based on age and driving record
The cost of car insurance can be affected by the age and driving record of the driver. In fact, this is one of the two most influential factors in determining your premium. The older you are, and the more experience you have as a driver, the lower your rate will go.
Insurance for young drivers can be quite expensive, but it really does depend on your age and experience. The allows you to compare the costs of different policies, so you can find one that fits your needs.
Generally, traffic violations can affect your insurance rate. If you get a minor speeding ticket or fail to stop for a stop sign, you may see a small increase in your insurance rate. However, if you have a serious offense like a DUI or careless driving on your record, this could significantly impact your premium, and the charge will stay on your record for 10 years or more.
But wait! There's more! If you play it safe on the road and don't get in any trouble driving, we'll reward you with lower auto insurance premiums.
These types of accidents and violations can leave you paying more for Dodge:
- Cost of insuring popular models
Your choice of car can raise or lower your insurance rate. This is mainly because different cars have different repair and replacement costs. Insurance companies charge you more if you drive a car that they consider to be more expensive to repair after a crash.
Carlay can help you reduce your insurance premiums, no matter what kind of car you drive. Carlay is an app for your iPhone and Android that connects you to up to 45 top insurers. Unlike other car insurance apps, you don't waste your time shopping by manually entering information; Carlay looks at your driving record and vehicle, then instantly accesses the best rates from up to 45 top providers.
Saving money on car insurance is one of the benefits of driving with Carlay. And that's $879 that can go toward something else. Learn more about the average annual costs of car insurance by checking the links below.
- Cost of insuring your Dodge by year
Most and least expensive years of car
It's true that new cars are shiny and clean. But, newness won't get you the lowest insurance rate. In fact, older cars tend to have lower rates because of depreciation. But, holding on to your car a few more years can pay off. The older your car gets, the less it's worth, and your insurance rates reflect this value.
The Edmunds data says that a new car loses 23.5% of its value in the first year and 60% of its value in the first five years. So when your car is worth less, you will pay less for auto insurance.
If you choose to finance your car, you will most likely be required to have full coverage insurance. Full coverage insurance provides protection for both you, and your lender while the loan is being paid off. Your loan payments plus your insurance premiums are what make up your total monthly vehicle expense.
The internal data of Carlay shows that the cheaper years for Dodges are 1997 and 1994; while 2021 and 2020 are the most expensive years.
|Year||Average Cost||Annual Savings withCarlay|
Due to their lower cost of repair or replacement and lack of financing or leasing options, older Dodge vehicles typically have lower insurance rates than newer models.
- Cost of insuring a Dodge in your city
Your insurance rates can be affected by your location, no matter where you drive. While you can't control the weather or problems with the local infrastructure, you might be surprised to learn which cities have the highest crime rates and just how much that can impact your coverage.
Because your insurer's business is risk, if your hometown has a high number of car thefts, collisions, or severe weather events, you can expect to pay more for your coverage.
It appears that the majority of Dodge drivers live in the following cities: Atlanta (GA), Houston (TX), Red Oak (VA), San Antonio (TX) and Decatur (GA). The most expensive car insurance for Dodge for Carlay users is in Amityville (NY) and Irwinton (GA). The cheapest car insurance for Dodge for Carlay users is in Roeland Park (KS) and Williamstown (KY).
|City||Average Cost||Annual Savings withCarlay|
|Port Richey||$3,485||$1,737||Compare Prices|
|San Antonio||$2,634||$837||Compare Prices|
If you live in a neighborhood that is considered to be high-risk because of theft, collisions, or severe weather events, your car insurance will cost more.