Affordable Dodge Auto Insurance Quotes (2023)

If you own a Dodge, you need proper auto insurance coverage. Buying auto insurance for your Dodge may seem overwhelming, but it doesn’t have to be. You can choose between purchasing a minimum coverage auto insurance policy in your state or buying full coverage for additional protection behind the wheel.

Most states mandate specific types and amounts of coverage drivers must carry. If you want additional coverage for your Dodge, you may want full coverage that includes collision and comprehensive insurance. In addition, Dodge drivers with a loan or lease on their vehicles may have to purchase full coverage. 

On average, Dodge auto insurance typically costs around $1,956 annually or $163 each month. Still, if you’re shopping for auto insurance for a Dodge, your rates will vary based on age, gender, marital status, ZIP code, driving history, credit score, and more. Because the cost to insure a Dodge varies, you need to shop online for instant auto insurance quotes to get the best deal on coverage.

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. 

What type of auto insurance do I need for my Dodge? 

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. 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): PIP coverage helps with medical bills, lost wages, and funeral costs associated with a covered accident. 

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. 

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Should I get full coverage for my Dodge? 

Along with minimum coverage or liability-only policy, Dodge drivers can purchase additional coverage to create a full coverage policy. With full coverage auto insurance, your Dodge has coverage even if you cause an accident. 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.

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.

Discounts on Dodge Auto Insurance

You may qualify for discounts on your auto insurance coverage. 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

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 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 quotes for Dodge auto insurance. 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. 

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Dodge Auto Insurance: The Bottom Line

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 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 quotes from several insurance companies to avoid paying too much for your Dodge coverage. 

 

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