Cheap Dodge Auto Insurance in 2024 (Lower Your Rates With These 10 Top Companies!)

Erie, American Family, and State Farm offer cheap Dodge auto insurance. On average, Dodge auto insurance typically costs around $1,956 annually or $163 each month.

When you find and compare Dodge quotes online, you’ll learn which companies offer the coverage you want at an affordable price. Doing so can help you avoid paying too much in monthly or annual auto insurance rates for Dodge insurance. 

Our Top 10 Company Picks: Cheap Dodge Auto Insurance

Finding cheap auto insurance rates can be difficult for high-risk drivers, but you don’t have to do it alone. Enter your ZIP code above to find the most affordable instant auto insurance quotes in your area.

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#1 – Erie: Top Pick Overall

Pros

• Affordable Rates: Erie is known for offering competitive pricing. Dive into our in-depth Erie auto insurance review to find the best policy for your needs.
• New Car Replacement: Erie offers a replacement with the same make and model within the first two years if your new car is totaled.
• Rate Lock: Helps you budget more predictably by locking in your rate, which doesn’t change unless you add or remove a vehicle or driver from your policy.

Cons

•  High Rates for Bad Credit: Drivers with poor credit scores may find Erie’s rates higher than average.
•  No Usage-Based Insurance: Erie does not offer a pay-as-you-drive option, limiting flexibility for low-mileage drivers.

#2 – American Family: Best for Discount Options 

Pros

• Extensive Discount Opportunities: American Family provides more discounts than many other insurers. Find out more about American Family in our American Family review.
• Telematics Program Options: Offers two telematics programs for those looking to reduce costs through safe driving.
• Rideshare Coverage Available: Lyft and Uber drivers can secure rideshare insurance for added protection.

Cons

• Low Customer Ratings: Poor customer reviews on BBB and Trustpilot indicate dissatisfaction with service.
• Average Collision Repair Score: Received only a C+ from collision repair professionals.

#3 – State Farm: Best for Consistent Savings

Pros

• Consistent Savings: State Farm offers a range of discounts and savings opportunities.
• High Customer Satisfaction: Consistently top-rated for buying auto insurance, according to J.D. Power. Wondering about their level of customer service? Find out in our State Farm Company Review.
• Generous Rental Coverage: Comprehensive rental car and travel expense coverage included.

Cons

• No Gap Insurance: State Farm does not offer gap insurance, which is essential for covering the difference between your car’s value and loan balance if totaled.
• No Accident Forgiveness: State Farm does not provide accident forgiveness.

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#4 – Nationwide: Best for Competitive Pricing

Pros

• Competitive Pricing: Nationwide offers affordable rates and various discounts. Explore more discount options in our Nationwide auto insurance review.
• Competitive Rates for Risky Drivers: Provides affordable options for motorists with less-than-perfect driving records.
• Diverse Product Options: There is an Extensive selection of policies, allowing customers to bundle multiple products and enjoy comprehensive coverage from a single provider.

Cons

• Low Customer Satisfaction: Nationwide’s auto insurance has below-average satisfaction scores in recent J.D. Power studies, indicating room for improvement.
• Higher Premiums: Nationwide’s insurance rates tend to be above the industry average, making it less affordable for some drivers.

#5 – Progressive: Best for User-Based Discounts 

Pros

• Usage-Based Discounts: Progressive offers significant savings through their Snapshot program, which rewards safe driving habits with lower premiums.
• Vanishing Deductibles: Deductibles decrease over time with safe driving, potentially saving you money on future claims. Our complete Progressive auto insurance review goes over this in more detail. 
• Rideshare Coverage: Progressive provides coverage for rideshare drivers, protecting them while they work for companies like Uber or Lyft.

Cons

• High Rates for Some Drivers: Rates for senior drivers and adding teens to a policy are only average.
• Below Average Satisfaction: Received low ratings for car insurance shopping and claims satisfaction from J.D. Power.

#6 – Allstate: Best for Extensive Discounts 

Pros

Cons

• Below Average Customer Satisfaction: Allstate’s customer ratings for auto insurance shopping satisfaction are lower than those of many competitors.
• Costly for High-Mileage Drivers: Allstate’s premiums tend to be higher for those who drive a lot, making it expensive for high-mileage drivers.

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#7 – Liberty Mutual: Best for Flexible Plans 

Pros

• Flexible Plans: Liberty Mutual offers customizable insurance plans. To see monthly premiums and honest rankings, read our Liberty Mutual auto insurance review.
• Excellent BBB Ratings: Liberty Mutual has high ratings from the Better Business Bureau.
• Numerous Discounts Available: Provides a wide range of discounts.

Cons

• Average Customer Satisfaction: Liberty Mutual’s customer satisfaction ratings are average compared to other insurers.
• Middling Claims Process: The claims process has received mixed reviews.

#8 – Travelers: Best for Comprehensive Coverage

Pros

• Comprehensive Coverage: Travelers provides extensive coverage options, including accident forgiveness and new car replacement.
• Multiple Discounts: Several discounts are available for good students and responsible drivers.
• Roadside Assistance: Offers roadside assistance coverage for emergencies. Read more in our detailed Travelers auto insurance review.

Cons

• Higher Premiums: Travelers often has higher premiums compared to other insurers.
• Mixed Customer Reviews: The company has received lower-than-average ratings from customers on platforms like the BBB.

#9 – Farmers: Best for Bundle Savings

Pros

• Bundle Savings: Farmers offers substantial discounts for customers who bundle their auto insurance with other policies, such as home or life insurance.
• Online Policy Management: You can easily purchase policies and file claims online for convenience. Take a look at our Farmers auto insurance review to learn more.
• Highly-Rated Mobile App: The Farmers mobile app is well-reviewed, offering a user-friendly experience for managing insurance needs.

Cons

• Limited Digital Service: Farmers scores lower than average for digital services, impacting online customer experience.
• Higher Premiums: Premium costs can be higher than the national average in several states.

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#10 – The General: High-Risk Friendly

Pros

•  Accepts High-Risk Drivers: The General specializes in providing coverage for drivers with poor records or high-risk profiles.
•  Discount Opportunities: Offers multiple discounts, including for safe driving, multi-vehicle policies, and homeowners.
•  Flexible Coverage Options: Provides various coverage options tailored to meet diverse needs and requirements.

Cons

•  Slow Claims Process: Policyholders often report delays and inefficiencies when filing and processing claims.
•  Limited Policy Communication: Customers frequently experience poor communication regarding policy details and claim statuses.

Types of Auto Insurance for Dodges 

What type of auto insurance do I need for my Dodge? All states except New Hampshire and Virginia require Dodge owners to purchase the following liability auto insurance: 

• Property Damage Liability: Property damage liability insurance covers you if you cause an accident and damage someone’s vehicle or other personal property. Most states require property damage liability.
• Bodily Injury Liability: Bodily injury liability covers you if you cause an accident and one or more people are injured. Most states require bodily injury liability coverage.

Your state mandates how much liability coverage you need. In addition, some states require more auto insurance coverage, such as: 

• Uninsured/Underinsured Motorist Coverage: If another driver causes an accident but does not carry proper insurance, uninsured/underinsured motorist coverage allows your insurance company to pay for the damage someone else caused to your vehicle.
• Medical Payments (MedPay): MedPay helps with medical bills like visits to the doctor and hospital stays. 
• Personal Injury Protection: PIP coverage helps with medical bills, lost wages, and funeral costs associated with a covered accident. 

If you drive a Dodge, you need auto insurance. The type of auto insurance coverage you need for your Dodge depends on where you live.

Dodge Auto Insurance Monthly Rates by Coverage Level & Provider

Check with your state’s Department of Motor Vehicles (DMV) to learn more about the types and amounts of auto insurance coverage you need for your Dodge. 

Getting Full Coverage for Your Dodge

Along with minimum coverage or liability-only policy, Dodge drivers can purchase additional coverage to create a full coverage policy. 

For a full coverage policy, you will need the following insurance:

• Collision: Collision insurance pays for damage to your vehicle if you cause an accident. Collision will cover your Dodge up to its actual cash value (ACV).
• Comprehensive: Comprehensive insurance pays for damage to your vehicle caused by theft, vandalism, wild animals, or inclement weather. 

You may need full coverage if your Dodge is new or an expensive model, or if you owe money on a loan or lease. In addition, full coverage can help with peace of mind whenever you’re on the road. You can learn more about what is included with full coverage car insurance here.

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Finding the Best Dodge Auto Insurance  

How can I find the best auto insurance coverage for my Dodge? Your auto insurance rates for a Dodge will depend on several variables. One important factor is the model of Dodge you drive. 

The average insurance cost for a Dodge Ram is $1,928 annually or $161 each month. On the other hand, Dodge Durango auto insurance costs around $1,509 annually or $126 per month. If you drive a Dodge Challenger, your insurance will cost around $1,567 annually or $131 per month, and Dodge Charger insurance costs are typically around $2,077 annually or $173 each month.

This table compares auto insurance rates for various Dodge models, such as the Charger, Ram 3500, and Viper. Analyzing this data provides valuable insights into comparative insurance costs for Dodge owners and potential buyers.

Dodge Auto Insurance Cost by Model

Auto insurance rates for your Dodge model can vary significantly based on the specific model you own. Factors such as the car’s safety features, engine size, and repair costs are crucial in determining your auto insurance premiums.

Discounts on Dodge Auto Insurance

You may qualify for auto insurance discounts. Some of the most popular auto insurance discounts include: 

• Good student
• Defensive driver
• Safety features
• New car
• Affiliations
• Paid-in-full
• Multi-car
• Multi-policy

Check out this table highlighting the discounts offered by our top auto insurance companies.

Speak with a representative from any company you’re considering to learn whether you qualify for discounts on your Dodge auto insurance. Discounts on auto insurance can help you save up to 25% on your monthly or annual rates. 

How to Save on Dodge Auto Insurance

How can I save money on Dodge Auto insurance? Aside from pursuing discounts, you may be able to save money on your Dodge auto insurance by doing the following: 

• Combine insurance policies to save money on Dodge auto insurance rates
• Increase your Dodge auto insurance deductible
• Keep a clean driving record
• Maintain a low annual mileage

As you search for the best auto insurance policy, don’t forget to find and compare auto insurance quotes for Dodge auto insurance.

Although you can shop for insurance by yourself, having an expert on your side provides you with:
· Personalized service
· Options
· The knowledge of an industry pro
· Someone who looks out for your best interests—and your budget pic.twitter.com/Nma9DYdppz

— Erie Insurance (@erie_insurance) December 8, 2023

Comparing quotes can help you save money as you learn more about the companies that offer the coverage you want at the right price. In addition, comparing quotes can help you avoid overpaying for monthly or annual auto insurance rates.

Instantly Buy Affordable Dodge Car Insurance Coverage Near You 

Owning and driving a Dodge means you need auto insurance. You can purchase minimum coverage or pursue full coverage for additional protection when you’re on the road. You may have to purchase full coverage if you have a loan or lease on your Dodge.

Dodge auto insurance rates vary for many reasons. One major factor in determining auto insurance rates is the model of Dodge you drive.

Remember to research cheap Dodge auto insurance rates for your model and year to determine what you’ll likely pay for your coverage.

You can pursue discounts, bundle your policies, and increase your deductible to save money on your Dodge auto insurance coverage. Remember to compare Dodge auto insurance quotes from several insurance companies to avoid paying too much for your Dodge coverage. Use our free comparison tool below to see what auto insurance quotes look like in your area.

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