Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Oct 16, 2020

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Key takeaways...

  • Dodge is a top automobile manufacturer in America
  • Nearly every state requires all drivers to carry some form of state car insurance
  • The cost of your premiums will depend on what of Dodge insurance coverage you purchase

Dodge drivers, like most American drivers, are looking for a few things when they want auto insurance. They want a name they can trust, a dependable policy that takes care of them, and premiums that don’t break the bank.

Dodge offers many different cars, trucks, SUVs, and minivans, and it has been a popular American brand since its inception.

Some of the better-known models include the Dodge Grand Caravan, Ram, Viper, Stratus, and Magnum. Depending on the car’s price and safety rating, Dodge car insurance may be more or less expensive.

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Table of Contents

Dodge Car Insurance Requirements

Nearly every state requires all drivers to carry some form of state car insurance.

Dodge car insurance is no exception, and while most states only require liability insurance, some also require uninsured coverage, medical coverage or other types of insurance policy.

Many states will not allow you to register your vehicle or get license plates without proof of insurance, while others will levy a large fine if you are stopped by the police and don’t have proof of insurance with you.

Additionally, you may want to get Dodge car insurance that covers more than just basic requirements. If you’re interested in different types of Dodge car insurance, read on.

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Varieties of Dodge Insurance Coverage

The cost of your premiums will depend on what of Dodge insurance coverage you purchase.

Purchasing the bare legal minimum will cost less, but if you get into an accident or if anything happens to your car, you may not be adequately compensated.

It is up to you to determine whether you are happy with basic liability coverage or wish to insure your care more thoroughly.

Additionally, if you are leasing your car you may be required by your lender to purchase additional coverage.

The two main types of additional car insurance coverages are:

  • Comprehensive coverage
  • Collision coverage

Additionally, you can purchase a greater liability value if you are concerned about doing damage to your car.

While Dodge vehicles tend to be sturdy and well-built, you may want to protect your investment if you paid a lot for your automobile.

Basic Dodge Coverage

Basic insurance coverage is known as liability insurance, and it consists of two parts: bodily injury liability and property damage liability.

Bodily injury liability typically covers around $20,000 per person and around $40,000 per accident and includes medical expenses and loss of wages for all individuals involved in the accident.

Property damage liability typically covers around $20,000 per accident to help pay for repairs to items or objects other than the vehicle.

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Dodge Collision Coverage

Liability insurance only covers damage caused by another driver.

Additionally, collision coverage pays for repairs to your car – basic insurance may not do so.

This will help to fix your car if it is damaged, no matter who is found at fault.

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Dodge Comprehensive Coverage

While liability and collision policies only cover auto accidents, comprehensive policies cover every other sort of damage that might be done to your car.

If a hailstorm, flood, fire, earthquake, theft, vandalism, or any other problem not related to your or someone else’s driving occurs, only comprehensive policies will cover the damage.

They tend to be quite expensive, especially if you live in an environmentally compromised area, but they are worth it.

Dodge Insurance Payouts

If that your Dodge vehicle is completely totaled, many insurance policies will offer to pay you for its value.

However, a car’s value is never the same as the day you bought it.

Value typically drops by about 30 percent immediately upon leaving the dealer’s lot, drops another 20 percent in the first year, and in every subsequent year drops about 5 percent.

You can figure out how much your car is worth to insurance companies by looking up its blue book value online.

Dodge Insurance Variables

Not all Dodge premiums were created equal! When you sign up for an insurance policy, you have to provide a whole slew of information to help car insurance companies determine your level of risk.

Your level of risk determines how much your insurance premiums will cost.

The factors that make up your risk level include:

  • Age
  • Gender
  • Location
  • Driving record
  • Dodge model

For instance, younger people tend to have more accidents than older people, so their insurance premiums are likely to be very high.

Men tend to have more accidents than women, and people in certain areas or neighborhoods tend to be more prone to damage, theft or other insurance claims.

While some of these are out of your control, some, like your driving record or the type of car you’re purchasing, make it possible for you to determine your own insurance price.

When you have a clean driving record with no prior accidents or insurance claims, companies are much more likely to offer you a reduced Dodge insurance price.

You can take driving courses such as defensive driving to further improve your record and reduce insurance payments.

Additionally, you can purchase a cheaper Dodge model. Less expensive cars tend to correlate to less expensive insurance policies.

Ultimately, the type of Dodge insurance policy you choose depends on a variety of factors. Each policy is determined by a different set of factors.

It always makes good business sense to compare policies online before you settle on the one you want. Enter your zip code below and start comparing Dodge car insurance quotes for FREE!

References:

  1. https://www.thebalance.com/proof-of-insurance-101-527410
  2. https://www.hagerty.com/
  3. https://www.esurance.com/info/car/myth-comprehensive-covers-everything
  4. https://www.allstate.com/tools-and-resources/car-insurance/what-is-collision-insurance.aspx
  5. https://www.allstate.com/tools-and-resources/car-insurance/liability-car-insurance-cover.aspx
  6. https://www.statefarm.com/insurance/auto/coverage-options/liability-coverage
  7. https://www.thebalance.com/how-to-get-your-driving-record-527249