What safety features make Dodge a good choice?

The safety features offered by Dodge run the gamut from basic to fully loaded. Along with airbags and anti-lock brakes, most Dodges also come with blind spot and forward collision warning with automatic braking. Enhanced trim packages include front and rear parking sensors, adaptive cruise control and more.

Is Dodge Durango car insurance expensive?

While a Durango has a starting MSRP higher than the Charger and Challenger, it is actually about $2,000 less to insure. This goes against the myth that an expensive car equals high insurance rates. When compared to the Charger and Challenger, the Durango is larger and holds more passengers but is geared more toward families than speed enthusiasts. This can result in lower overall insurance costs, which is an important factor when considering the cost of car ownership.

Do Dodge cars have a good resale value?

Dodge is middle of the road in terms of resale value. Over the past two years, the 2023 Dodge Durango depreciated an average of 41 percent, while the Challenger depreciated 33 percent and the Charger depreciated 36 percent. However, the collector status of the 2023 Challenger (2023 was the last year it was manufactured) may allow owners to sell their vehicles for more money.

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Car insurance for Dodge

Written by

Shannon Martin

Edited by

Jessa Claeys

Edited by

Jessa Claeys

Updated Mar 26, 2025

Own a Dodge? Find auto insurance to match its power, performance and value.

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On This Page

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Dodge Challenger

Dodge Charger

Dodge Durango

How much does it cost to insure a Dodge?

Several factors impact car insurance costs, and for some Dodge owners, performance is an important consideration. Vehicles with powerful engines typically have higher insurance rates to account for the additional risk associated with fast cars.

While a vehicle's make and model influence insurance rates, your driver profile can dramatically increase or decrease your auto premium. Insurers consider the amount of time you've been a licensed driver and your driving record, among other details personal to you. Bankrate utilizes average rate data from Quadrant Information Services to show how the cost of car insurance for a Dodge varies by model.

Car insurance for Dodge: By model

Challenger

$3,645 Avg annual full coverage
insurance premium

$863 Avg annual min coverage
insurance premium

Due to Dodge's transition to electric, 2023 is the last model year for the Dodge Challenger. The original MSRP was $62,210 but the latest Scat Pack trims are selling for around $41,000 per Kelley Blue Book. All 2023 Challenger models feature a commemorative “Last Call” underhood plaque.

Learn more about car insurance for Dodge Challengers

Charger

$4,855 Avg annual full coverage
insurance premium

$875 Avg annual min coverage
insurance premium

An overhauled version of the Dodge Charger will be released in early 2025. Instead of the traditional V8 engine, the 2025 model will have either six turbo engines or two electric motors with an estimated starting price of around $45,000. The all-electric Dodge Charger Daytona has optional R/T and Scat Pack trim levels with an MSRP starting at $61,590.

Learn more about car insurance for Dodge Chargers

Durango

$2,668 Avg annual full coverage
insurance premium

$855 Avg annual min coverage
insurance premium

The 2025 Dodge Durango has 10 trim levels available and multiple engine options. Depending on the options selected, the Durango has a towing capacity between 7,200 and 8,400 pounds, with starting MSRPs ranging from $43,590 to $115,315.

Learn more about car insurance for Dodge Durangos

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Dodge features the impact insurance costs

Dodge vehicles are known for their bold personality and diverse customization options. Drivers can tailor everything from performance to aesthetics to suit their preferences. However, the selections you choose can impact the cost of your insurance.

For example, some safety features may lower the cost of your bodily injury liability coverage or medical payments coverage but increase the cost of collision coverage if the vehicle features are expensive to replace or repair.

Below are a few characteristics of Dodge cars to consider when comparing insurance rates:

Engine size (speed): Dodge Challengers and Chargers, in particular, are known for powerful engines. Not only are these engines costly to repair, but they are also marketed to drivers who want the ability to reach high speeds in just a few seconds. This is a red flag to insurers, and high-performance vehicles tend to have increased insurance rates to account for the added risk.
Basic safety features: Dodge vehicles historically have strong safety ratings. Basic features such as anti-lock brakes, airbags and electronic stability control can help lower the risk of a car accident and could provide a small insurance discount on your auto policy.
Advanced driver assistance systems (ADAS): ADAS features, such as Dodge's Active Driving Assist and traffic sign recognition, can help drivers remain focused on the road and decrease the chance of speeding. However, features like these use cameras and other high-tech equipment that is costly to repair or replace if damaged. While ADAS may keep you safer on the road, it could increase the cost of your collision coverage.
Tow-and-go package: The Durango's tow-and-go package may be a useful feature for many drivers, especially campers and outdoor enthusiasts. While it may increase the purchase price, impacts on car insurance rates are usually minimal.

Other car insurance coverage for Dodge

Your Dodge isn't just like every other car on the road, and your car insurance shouldn't be either. With the national average cost of car insurance reaching $2,678 per year for full coverage, it can be tempting to skimp on insurance. However, price isn't always the most important consideration. Your state's minimum required coverage is enough to keep your car street legal, but it doesn't cover things like theft or repairs for your vehicle if you caused the accident.

The best car insurance is one that meets your financial needs without busting your budget. Below are additional coverage options you may want to consider for your Dodge:

Increased liability limits: Drivers of high-performance and high-value vehicles are more likely to be targets of insurance fraud and staged accidents. Higher limits of bodily injury and property damage coverage offer more financial protection in the event of an accident.
Comprehensive coverage: Dodge Chargers and Challengers frequently appear on the Highway Loss Data Institute list of most stolen vehicles. Specifically, the 2020-2022 Dodge Charger SRT Hellcat was stolen 60 times more frequently than any other car. Comprehensive coverage pays to repair or replace vehicles up to their actual cash value due to damage from theft, vandalism and sudden weather events such as wildfires and floods.
Gap insurance: Guaranteed asset protection, or gap insurance, can pay the difference between the balance of your car loan and the actual cash value of the vehicle at the time of a covered claim. This coverage can be especially helpful for drivers who put little or zero down to buy their Dodge or those who selected a loan term longer than 36 months. Such shortfalls increase the chance of becoming upside down on your car loan, but gap insurance can help you avoid out-of-pocket costs.

Factors that impact insurance costs

Customers with clean driving records typically see the lowest car insurance rates because carriers see them as lower risk. Infractions like speeding tickets, accidents, DUIs and insurance lapses will usually affect your car insurance for three to five years, depending on the severity. Drivers with multiple infractions may need to seek coverage from carriers that specialize in high-risk coverage.

Young drivers and men typically pay more for car insurance since they're statistically more likely to engage in risky driving behaviors, but age is generally more impactful than gender in setting rates. Age is not a permitted auto rating factor in HI or MA, but carriers in MA are allowed to consider how long you've been licensed. Gender is not permitted as an auto rating factor in those two states plus CA, MI, NC and PA.

Your state, city and even ZIP code can influence your cost of car insurance. State minimum coverage laws impact coverage costs, as does cost of living, traffic density, uninsured motorist rates, weather patterns, crime trends, insurance fraud prevalence and more.

Unless you live in California, Hawaii or Massachusetts, your credit history will impact your car insurance rates. Carriers use a metric called the "credit-based insurance score" to calculate your premium. Drivers with poor credit history are considered more likely to file claims and typically see higher rates as a result.

The safety features offered by Dodge run the gamut from basic to fully loaded. Along with airbags and anti-lock brakes, most Dodges also come with blind spot and forward collision warning with automatic braking. Enhanced trim packages include front and rear parking sensors, adaptive cruise control and more.
While a Durango has a starting MSRP higher than the Charger and Challenger, it is actually about $2,000 less to insure. This goes against the myth that an expensive car equals high insurance rates. When compared to the Charger and Challenger, the Durango is larger and holds more passengers but is geared more toward families than speed enthusiasts. This can result in lower overall insurance costs, which is an important factor when considering the cost of car ownership.
Dodge is middle of the road in terms of resale value. Over the past two years, the 2023 Dodge Durango depreciated an average of 41 percent, while the Challenger depreciated 33 percent and the Charger depreciated 36 percent. However, the collector status of the 2023 Challenger (2023 was the last year it was manufactured) may allow owners to sell their vehicles for more money.

Bankrate utilizes Quadrant Information Services to analyze March 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.

Written by

Shannon Martin

Bankrate Insurance Expert | Writer, Insurance

Car insurance for Dodge

Explore models on this page

How much does it cost to insure a Dodge?

Car insurance for Dodge: By model

Challenger

Charger

Durango

Compare auto insurance rates

Dodge features the impact insurance costs

Other car insurance coverage for Dodge

Factors that impact insurance costs

Frequently asked questions

What safety features make Dodge a good choice?

Is Dodge Durango car insurance expensive?

Do Dodge cars have a good resale value?

Methodology

Other profiles

Credit-based insurance scores:

Incidents:

Mileage:

Model:

Age:

Gender:

Status: