Best Auto Insurance for Dodges in 2025 (Top 10 Companies for Your Car!)
State Farm, Geico, and Allstate offer the best auto insurance for Dodges, featuring affordable pricing, extensive coverage options, and excellent customer satisfaction. The cheapest Dodge auto insurance rates start as low as $45 per month. Keep reading to find the top auto insurance for your Dodge car.
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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 20, 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 20, 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
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Full Coverage for Dodges
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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 reviews
Find 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 Bundling
DiscountA.M. Best Best For Jump to Pros/Cons
#1 17% A++ Reliable Coverage State Farm
#2 25% A++ Affordable Rates Geico
#3 25% A+ Extensive Discounts Allstate
#4 10% A+ Flexible Policies Progressive
#5 25% A+ Customer Satisfaction Erie
#6 20% A+ Bundling Benefits Nationwide
#7 13% A++ Usage-Based Savings Travelers
#8 25% A Customizable Coverage Liberty Mutual
#9 16% A++ Claims Service Auto-Owners
#10 5% A+ 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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Enter your zip code below to view companies that have cheap insurance rates.
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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: Get up to a 17% discount when bundling policies, making State Farm an affordable option for Dodge owners who also need home or life insurance.
Cons
- Higher Premiums: Although State Farm is reliable, premiums are higher compared to others, which may interfere with cost savings when choosing the best Dodge auto insurance.
- Limited Customization: Some states have fewer options for policy customization, which may restrict flexibility for Dodge owners.
#2 – Geico: Best for Affordable Rates
Pros
- Affordable Rates: Geico offers competitive Dodge car insurance rates, with minimum premiums starting at $48 a month.
- User-Friendly App: Everything you need to know about Geico includes a mobile app that makes Dodge insurance policy and claim handling easy.
- 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 Customer Satisfaction
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: Erie offers discounts for bundling auto and home insurance, which can reduce overall costs for Dodge owners (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 Benefits
Pros
- Bundling Benefits: Nationwide provides discounts for bundling 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 Savings
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 offer 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.
Understanding the Best Dodge Auto Insurance Rates and Discounts
Finding the best Dodge auto insurance involves 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 Provider & 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.
Dodge Auto Insurance Discounts From Top Providers
Insurance Company Available Discounts
Safe Driving, Bundling, Anti-Theft, Pay-In-Full, Smart Student
Paid-In-Full, Multi-Policy, Green Vehicle, Teen Driver Monitoring
Safe Driver, Young Driver, Multi-Policy, Reduced Usage, Vehicle Storage
Multi-Vehicle, Good Driver, Military, Anti-Theft System, New Car
RightTrack Usage-Based, Violation-Free, Military, Multi-Policy, Homeowner
SmartRide Usage-Based, Accident-Free, Good Student, Anti-Theft, Paperless Billing
Snapshot Usage-Based, Multi-Car, Homeowner, Online Quote, Continuous Coverage
Multi-Policy, Safe Driver, Good Student, Defensive Driving, Vehicle Safety
AARP Member, Defensive Driver, Bundling, Vehicle Recovery System
IntelliDrive Usage-Based, Hybrid/Electric Vehicle, Home And Auto Bundle, Early Quote
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
Factors Affecting Dodge Insurance Costs
Several factors affect the cost of Dodge insurance, including age, driving record, model year, and the type of coverage you need. Younger people, particularly drivers under the age of 25, tend to pay more for Dodge insurance costs, as 18-year-old drivers are considered inexperienced and risky.
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The model year of your Dodge also influences premiums, as newer vehicles typically cost more to insure. Additionally, choosing between various insurance options, such as comprehensive insurance or basic liability, will greatly impact your Dodge insurance cost per month.
Those looking for the cheapest auto insurance companies should consider the factors below when determining which is the best provider for them.
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 Auto Insurance Full Coverage Monthly Rates by Age & Driving Record| Age | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| 18-Year-Old | $280 | $320 | $355 | $420 |
| 25-Year-Old | $180 | $210 | $240 | $310 |
| 35-Year-Old | $140 | $170 | $195 | $260 |
| 45-Year-Old | $130 | $155 | $180 | $240 |
| 55-Year-Old | $120 | $145 | $170 | $230 |
| 65-Year-Old | $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
Dodge Model Year
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 Auto Insurance Monthly Rates by Model Year & Coverage| Model Year | Minimum Coverage | Full Coverage |
|---|---|---|
| 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
Policy Type
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 Monthly Rates by Policy Type| Policy Type | Monthly Rates |
|---|---|
| Minimum Liability Only | $58 |
| Full Coverage | $142 |
| Comprehensive Only | $82 |
| Collision Only | $97 |
| Non-Owner Insurance | $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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Other Ways to Get Cheaper Dodge Auto Insurance
When it comes to insuring your Dodge, there are several ways to lower your premiums. Along with discounts and adjusting your coverage, making smart decisions about your policy can save money while still protecting your vehicle. Here are the top ways to save on auto insurance rates for your Dodge:
- Maintaining a Clean Driving Record: Avoiding accidents or traffic violations can help lower your premium. Some insurers even offer discounts for completing defensive driving courses.
- Utilize Vehicle Safety Features: If your Dodge is equipped with advanced safety features, like anti-theft devices, airbags, or anti-lock brakes, you may be eligible for discounts, as these features reduce the risk of accidents or theft.
- Increase Deductibles: Raising your deductible can lower your monthly premiums. While you’ll pay more out-of-pocket in the event of a claim, this can be a cost-effective way for safe drivers who avoid claims to reduce overall insurance expenses.
- Pay Annually: Many insurance companies offer a discount if you pay your premium in one lump sum annually rather than in monthly installments. This can save you money in processing fees and interest charges.
Understanding and following the best tips to pay less for car insurance can help you optimize your savings and ensure that you will get cheap auto insurance for your Dodge.
Simple steps can provide savings while ensuring reliable coverage. Always shop around and compare quotes to find the best deal for your specific needs and driving habits.
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
Are Dodges expensive to maintain?
While Dodge vehicles are known for reliability and performance, maintenance costs can vary based on the model and age of the car. Generally, maintenance for a Dodge isn’t excessively expensive, but like all vehicles, regular maintenance and part replacements can affect overall costs.
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
What factors impact the cost of Dodge auto insurance?
Dodge insurance costs are influenced by factors such as the car model, your driving record, location, and the amount of coverage you need. High-performance models may cost more to insure due to repair and replacement costs, while drivers with a clean driving history may qualify for discounts.
At what age is car insurance most expensive for a Dodge?
Car insurance tends to be most expensive for drivers under the age of 25 and over the age of 70. Young drivers often face higher premiums due to a lack of driving experience, while older drivers may encounter higher rates because of increased accident risks.
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.
Who has the cheapest insurance for a Dodge car?
Erie has the cheapest Dodge auto insurance at $45 monthly, but coverage is limited. Geico has the cheapest nationwide coverage, starting at $48 per month.
Do Dodge vehicles have a higher insurance rate than other cars?
Dodge vehicles may have higher insurance premiums compared to some other brands, especially performance models like the Dodge Charger or Challenger. However, the overall cost depends on various factors, including your driving history, location, and the specific model of your Dodge.
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
Can I purchase the best Dodge auto insurance directly through the Dodge website?
While the Dodge website offers valuable information about their vehicles, it doesn’t typically allow you to purchase auto insurance directly. However, many insurance providers offer online tools where you can customize a policy based on your Dodge model, making it easier to find the right coverage. Find the best auto insurance company near you by entering your ZIP code into our free quote tool.
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.