Avoiding High Auto Insurance Rates with a Dodge

Lower the auto insurance rates on your Dodge vehicle by (1) purchasing an older model, (2) upgrading the safety features, or (3) improving its security.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance...

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Reviewed byDaniel Walker
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UPDATED: Apr 23, 2020

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Things to Remember...

  • Insuring a Dodge vehicle can be expensive
  • Choosing the latest model will cost more than if you choose a used car
  • Installing additional safety features can help to reduce your monthly premium

Auto insurance for Dodge vehicles can be on the high end of the scale, but there are steps you can take to lower your rates. One of the first steps for finding affordable car insurance is to shop around and compare rates from a number of companies.

In addition to comparison shopping, you can avoid high insurance rates for your Dodge by paying attention to a number of factors.

These include the type of vehicle you drive, its features and likelihood of being stolen, your driving habits, and any insurance discounts that may be available.

Check out affordable car insurance rates now by entering your zip in our FREE car insurance tool!

Dodge Vehicle Types

With names like Avenger, Challenger, and Charger, you can bet Dodge has a line of sporty, fast cars. But that’s not all the company makes. They are also known for their heavier, larger vehicles, like full-size pickups and SUVs.

The Dodge website highlights the latest vehicles in their lineup, which include Dodge cars and SUVs. In addition to the above-mentioned Avenger, Challenger, and Charger, you can go for a Dodge Dart or Dodge Caliber SXT.

Specialty models on the list include the Dodge Challenger SRT8 392, a sports car that comes complete with racing stripes, and the Challenger Yellow Jacket, a bold and bright yellow sports car.

Since Dodge is part of the Chrysler Group LLC., the Dodge site also mentions its line of Chrysler commercial vehicles. Rounding out the lineup are the well-known Ram trucks and, of course, the classic Dodge sports cars.

The 1960s were a particularly speedy decade for Dodge, the HowStuffWorks website notes. One particularly notable vehicle that came out of that era was the 1969 Dodge Charger the Dukes of Hazzard named General Lee.

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Dodge Vehicle Types that Avoid High Insurance Rates

Choosing a Dodge Charger, Dart, or souped-up Challenger is not the way to avoid high car insurance rates. Neither is going for one of the brand new models or one of the specialty models that start at nearly twice the price as the regular vehicles.

Cars that are fast, sporty and expensive are generally the most expensive to insure, according to the Washington State Office of the Insurance Commissioner.

The reasoning behind the high rates for sportier vehicles is the increased chances of the driver using souped-up models to their full capacity.

Such models may result in taking unnecessary risks, driving over the speed limit, or showing off the power and performance of their cars.

The higher cost of insurance would be reflected in the premiums for your comprehensive and collision coverage. The latter covers damage done to your vehicle in a crash.

Your best bet for choosing a Dodge that may earn you the lowest insurance rates is going for a used car that is still in good shape but would not cost a lot to replace or repair.

Dodge Safety Features

Dodge vehicles can come with a number of safety features. Some are fairly standard, such as airbags and anti-lock brakes, while others are more advanced high-performance brakes.

Options on larger Dodge vehicles include several that help drivers adapt to driving a larger vehicle.

A rear park assist system alerts you if any objects are in your path while you’re moving in reverse while dual radar sensors monitor your blind spots.

Tire pressure monitoring alerts you if your pressure is too low and airbags throughout the cabin help keep the driver and the passengers safe.

Electronic stability control and automatic headlamps are part of the features, as are crush zones. The Dodge site explains crush zones are areas in the front of the vehicle that dissipate the energy of an impact while diverting it away from the passenger compartment.

Safety Features that Can Keep Insurance Costs Lower

Car insurance companies reward drivers who have various safety features in their vehicles in the form of a lower premium or a discount, according to the Idaho Department of Insurance.

You may get a discount for even the most standard equipment, such as airbags and anti-lock brakes.

Safety features reduce the risk of accidents as well as the severity of injuries if an accident does occur. Both may result in less expensive repair and medical bills that the insurance company would have to pay.

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Dodge Security Devices and Vehicle Thefts

Two Dodge vehicles made the 2010 Hot Wheels List, which is an annual rundown of the most stolen cars from the National Crime Bureau.

Although sportier cars may seem most enticing to thieves, the vehicles that made the list were an SUV and a pickup. The 2000 Dodge Caravan ranked as the seventh most-stolen vehicle for 2010 and the 2004 Dodge Ram ranked as the sixth.

You’ll note the vehicles are slightly older models which may not have all of the latest security equipment offered on the newest models.

The Dodge website points out security features available on some of the newest vehicles. They include keyless entry, a vehicle alarm system, and an in-vehicle control system that opens the garage door and turns on home lighting.

Even if your particular Dodge did not come with the most advanced security devices on the market, you can always add them to your car or truck.

Make sure you mention your newly added security devices to your insurance company and ask if they will give you a discount on your premium.

Security Devices that Can Lower Your Insurance Costs

Security and safety typically go hand in hand for discounts or reduced premiums. Just as insurance companies may reward you for having devices that help prevent accidents, they may also extend a reward for devices that help deter theft or increase the chances of recovering your vehicle.

Two common security options are a car alarm and tracking system. The former helps stop the vehicle from being stolen and the latter can help get your car back.

Both have the potential to save the insurance company the money they would have to spend replacing your vehicle under comprehensive coverage.

Other Ways to Avoid High Insurance Rates with Your Dodge

Additional discounts may help you save on your auto insurance, as will improving your driving habits. In addition to discounts for safety and security devices, car insurance companies can offer several others.

They include discounts for being a good student, completing certain driver education courses, or insuring more than one vehicle with the same company.

Good driving is typically rewarded by most insurance companies. This means having a clean driving record without any accidents, claims, or violations for a set amount of time.

Lower insurance rates can also come from having a low annual mileage and using your car for recreational purposes only. Driving to work every day puts a lot of wear and tear on a vehicle, and some companies offer discounts for car-pooling.

If you use your vehicle for work purposes, such as hauling deliveries or passengers, you may also be faced with higher premiums than you would if you only used your car for errands or pleasure.

Your credit history can also play a part in your insurance rates. If you have a poor credit rating, insurance companies may charge higher premiums to offset the risk they are taking by offering you a policy.

If you are buying a new or used Dodge, one more tip is to ask car insurance companies how much they would charge to insure the vehicle you want to buy.

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