10 Best Car Insurance Companies for Dodges in 2024 (Your Guide to the Top Providers)

Top Pick for Dodges: AAA

2,934 reviews

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4.1

Table of Contents

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Company Facts

Full Coverage for Dodges

$150/mo

A.M. Best Rating

A

Complaint Level

Low

Pros & Cons

• Membership Benefits
• Insurance Bundling
• Reputation and Stability

• Limited Availability
• Non-Digital Services
• Membership Requirement

» AAA Car Insurance Review

2,934 reviews

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Best Coverage for Dodges: Chubb

69 reviews

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4.0

Company Facts

Full Coverage for Dodges

$200/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

• High-Quality Customer Service
• Comprehensive Coverage Options
• Global Presence

• Higher Premiums
• Strict Underwriting
• Limited Availability

» Chubb Car Insurance Review

69 reviews

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Best Rates for Dodges: Geico

19,116 reviews

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4.1

Company Facts

Full Coverage for Dodges

$120/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

• Competitive Rates
• 24/7 Customer Service
• Fast Claims Process

• Limited Local Agents
• No Custom Coverage
• Rate Increases

» Geico Car Insurance Review

19,116 reviews

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AAA tops the list of the best car insurance companies for Dodges, providing competitive rates starting at just $60 per month for comprehensive coverage.

When shopping for car insurance coverage, it is important to select a company that understands the needs of Dodge drivers and provides comprehensive protection for their vehicles.

Our Top 10 Picks: Best Car Insurance Companies for Dodges

Company	Rank	Multi-Vehicle Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	25%	A	Roadside Assistance	AAA
	#2	12%	A++	High-End Coverage	Chubb
	#3	25%	A++	Affordable Rates	Geico
	#4	10%	A+	Customer Satisfaction	Erie
	#5	10%	A++	Financial Stability	Auto-Owners
	#6	20%	A	Comprehensive Options	Farmers
	#7	12%	A+	Innovative Tools	Progressive
	#8	25%	A	Customizable Policies	Liberty Mutual
	#9	25%	A+	AARP Benefits	The Hartford
	#10	20%	A	Good Discounts	American Family

In this guide, we will discuss how to choose the best car insurance company for Dodges by outlining factors such as cost, customer service, and coverage options. Enter your ZIP code now. 

#1 – AAA: Top Over-all Pick

Pros

• Comprehensive Coverage Options: AAA offers extensive coverage options tailored to various needs, including roadside assistance and travel benefits. Dodge owners can benefit from AAA’s robust roadside assistance, which is useful for long trips and roadside emergencies.
• High Customer Satisfaction: Known for excellent customer service, AAA frequently receives high ratings from policyholders. Dodge drivers can enjoy reliable support and quick claim resolutions thanks to AAA’s strong customer service.
• Strong Financial Stability: AAA is financially robust, providing peace of mind that claims will be handled effectively. Dodge owners can rely on AAA’s financial stability to ensure their claims are processed smoothly. Read more with our AAA insurance review & complaints for further insights.

Cons

• Higher Premiums for Some: Premiums can be higher compared to other providers, especially for certain high-performance models. This could be a downside for Dodge owners with high-performance models like the Charger or Viper.
• Limited Availability: AAA is not available in all states, which may limit access for some potential customers. Dodge drivers in states where AAA is not offered may need to find alternative insurance providers.

#2 – Chubb: Best for High-End Coverage

Pros

• High-End Coverage: Chubb is known for offering high-end coverage options, including extensive liability and comprehensive protection. Dodge owners with luxury or high-performance models like the Challenger SRT can benefit from Chubb’s premium coverage.
• Exceptional Customer Service: Chubb’s customer service is highly rated, providing personalized support and quick resolution of issues. Dodge drivers can expect high-quality service and support for their vehicles. 
• Coverage for Unique Vehicles: Provides specialized coverage for luxury and high-performance vehicles. Chubb’s coverage is ideal for Dodge owners with unique or high-value models. Read more with our Chubb Insurance Company Review & Complaints for further insights.

Cons

• Expensive Premiums: Higher cost compared to other providers, which may not be ideal for those seeking budget-friendly options. This could be a concern for Dodge drivers looking to save on insurance premiums.
• Limited Discounts: Fewer discount opportunities compared to competitors, which could impact overall affordability. Dodge owners may find fewer ways to reduce their premiums compared to other providers.

#3 – Geico: Best for Affordable Rates

Pros

• Affordable Rates: Geico is known for offering competitive and often lower rates, making it a great option for budget-conscious drivers. Dodge owners and drivers can enjoy cost-effective coverage for their vehicles.
• User-Friendly Online Tools: Offers a robust online platform for managing policies and filing claims. Dodge enthusiasts can easily manage their policies and claims through Geico’s convenient online tools.
• Wide Range of Discounts: Provides numerous discounts, including for safe driving, military service, and bundling policies. Dodge owners can take advantage of multiple discount opportunities to reduce their insurance costs.

Cons

• Basic Coverage Options: May offer fewer premium coverage options compared to some competitors. Dodge owners seeking specialized or high-end coverage might find Geico’s options limited.
• Customer Service Variability: While generally good, customer service quality can vary based on location and agent. Inconsistent service experiences may affect Dodge drivers’ overall satisfaction. For further insights, check out our Geico insurance review.

#4 – Erie: Best for Customer Satisfaction

Pros

• High Customer Satisfaction: Known for exceptional customer service and high satisfaction rates among policyholders. Dodge owners can benefit from Erie’s positive customer service, ensuring smooth claim processing.
• Comprehensive Coverage: Offers a range of coverage options, including unique add-ons like accident forgiveness. Dodge drivers can enjoy extensive coverage and add-ons for their vehicles.
• Affordable Rates: Competitive pricing, often providing good value for the coverage offered. Dodge enthusiasts can find affordable insurance that does not compromise on coverage quality.

Cons

• Availability Restrictions: Not available in all states, which may limit options for some customers. Dodge drivers in areas where Erie is not offered might need to look for other insurance providers.
• Limited Online Tools: Fewer online management tools compared to other major insurers. The limited digital presence may be a drawback for tech-savvy Dodge owners. Read more through our Erie Insurance Review & Complaints.

#5 – Auto-Owners: Best for Financial Stability

Pros

• Strong Financial Stability: Known for financial strength, ensuring reliable claim payments. Dodge drivers can rely on Auto-Owners’ financial stability for dependable coverage.
• Comprehensive Coverage: Offers a variety of coverage options, including specialized add-ons. Dodge owners can select from a range of coverage options tailored to their vehicle’s needs.
• Personalized Service: Local agents offer personalized service and tailored insurance solutions. Dodge owners can receive customized coverage and support from Auto-Owners’ local agents.

Cons

• Limited Discounts: Fewer discount options compared to some other providers. This may impact overall affordability for Dodge drivers looking to save on premiums. Read more with our Auto-Owners Insurance.
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• Online Presence: Less robust online tools and digital management compared to some competitors. Dodge enthusiasts who prefer digital management may find Auto-Owners’ online tools lacking.

#6 – Farmers: Best for Comprehensive Options

Pros

• Comprehensive Coverage Options: Extensive coverage options, including unique add-ons like new car replacement. Dodge owners can benefit from Farmers’ broad range of coverage options for their vehicles.
• Good Customer Support: Positive reviews for customer service and claims handling. Farmers’ strong customer support ensures Dodge drivers receive prompt assistance and efficient claims processing.
• Variety of Discounts: Offers various discounts, including those for bundling policies and safe driving. Dodge enthusiasts can take advantage of multiple discounts to reduce their insurance costs. Check out our Farmers insurance review for your guidance.

Cons

• Higher Premiums for Some: Premiums may be higher compared to other providers, especially for high-risk drivers. Dodge owners with high-performance models might face higher premiums.
• Complex Policies: The wide range of options can sometimes make policies complex and hard to navigate. Dodge drivers may find the complexity of Farmers’ policies overwhelming.

#7 – Progressive: Best for Innovative Tools

Pros

• Innovative Tools: Offers innovative tools such as the Snapshot program for monitoring driving habits and potentially lowering rates. Dodge owners can use Progressive’s Snapshot to track their driving and potentially lower their premiums.
• Competitive Pricing: Known for competitive pricing and numerous discount opportunities. Dodge drivers benefit from Progressive’s affordability and diverse discount options. Read more through our Progressive Insurance Review & Complaints.
• Flexible Coverage Options: Provides a wide range of coverage options and customization. Dodge enthusiasts can tailor their policies to fit their vehicle’s unique needs and modifications.

Cons

• Customer Service Variability: Customer service experience can vary depending on the representative and location. Inconsistent service quality may impact overall satisfaction for Dodge drivers.
• Discount Complexity: The process for qualifying for certain discounts can be complex and sometimes confusing. Dodge owners may find the discount qualification process challenging.

#8 – Liberty Manual: Best for Customizable Policies

Pros

• Customizable Policies: Offers a range of customizable coverage options to fit individual needs. Dodge owners can tailor their policies to cover specific features and modifications of their vehicles.
• Good Discount Opportunities: Provides various discounts, including those for bundling and safe driving. Dodge drivers can benefit from multiple discounts to reduce their insurance costs. Check out our Liberty Mutual insurance review.
• Excellent Coverage Options: Includes features such as new car replacement and accident forgiveness. Dodge owners can enjoy comprehensive coverage with valuable add-ons like accident forgiveness.

Cons

• Higher Rates for Some: Rates can be higher for certain drivers compared to other providers. Dodge drivers, especially those with high-performance models, might face higher premiums.
• Customer Service Variability: Service quality can vary depending on location and specific circumstances. Inconsistent service experiences may affect Dodge drivers’ overall satisfaction.

#9 – The Hartford: Best for AARP Benefits

Pros

• AARP Benefits: Offers special benefits and discounts for AARP members, making it a good choice for seniors. Dodge owners who are AARP members can enjoy significant discounts and benefits.
• Comprehensive Coverage: Provides extensive coverage options including accident forgiveness and new car replacement. Dodge drivers can benefit from The Hartford’s robust coverage, including valuable features for their vehicles.
• Good Customer Service: Positive customer service reviews and responsive support. Dodge enthusiasts can expect reliable assistance and prompt claim handling from The Hartford. Check out our The Hartford Insurance Review & Complaints.

Cons

• Limited Availability: Not available in all states, which may restrict options for some customers. Dodge drivers in areas where The Hartford is not offered might need to explore other insurance providers.
• Discount Complexity: Some discount options and eligibility criteria can be complex and hard to navigate. Dodge owners may find it challenging to understand and qualify for all available discounts.

#10 – American Family: Best for Good Discounts

Pros

• Exceptional Customer Service: USAA is renowned for its excellent customer service and high satisfaction ratings. Dodge owners and drivers can rely on USAA for superior support and efficient claims handling.
• Competitive Rates: Known for offering competitive rates, especially for military personnel and their families. Dodge drivers can benefit from USAA’s affordability and special rates for eligible members. Read more with our American Family insurance review.
• Comprehensive Coverage Options: Provides a wide range of coverage options, including unique add-ons tailored for various needs. Dodge enthusiasts can access extensive coverage and customization options for their vehicles.

Cons

• Eligibility Restrictions: Available only to military personnel, veterans, and their families, which limits accessibility for others. Dodge drivers not eligible for USAA will need to consider alternative providers. 
• Limited Physical Locations: Fewer physical locations compared to other insurers, which might be a drawback for those preferring in-person service. Dodge owners who prefer face-to-face interactions may find USAA’s limited physical presence challenging.

Understanding Car Insurance

Car insurance is a contract that protects drivers from financial loss in the event of an accident. It covers costs associated with bodily injury, property damage, and other related expenses.

In most places, it’s also legally required to have car insurance before operating a motor vehicle on public roads.

Having car insurance is important because it helps cover the costs associated with accidents or theft and prevents these events from leading to financial ruin.

Dodges Car Insurance Monthly Rates by Coverage Level & Provider

Car insurance provides peace of mind by offering protection against unexpected and potentially costly situations. It also allows drivers to focus on the road, not worrying about what would happen if an accident occurred or their car was stolen.

As an added layer of protection, many insurance companies offer additional features such as roadside assistance, rental reimbursement coverage, and gap insurance coverage to ensure that you are fully covered in the event of an accident or other related incident.

Law Requiring Drivers to Carry Car Insurance

The law requires drivers to carry car insurance for a few different reasons. The most important reason is to ensure that both the driver and any third parties involved in an accident are financially protected from associated costs. 

Without insurance, those involved in an accident could face severe financial hardship due to medical bills or property damage expenses.

Car insurance also makes it easier for those involved in an accident to receive compensation through their insurer in a timely manner. This helps make sure that they can move on with life as quickly as possible and not worry about long-term debt or legal proceedings.

In addition, car insurance helps reduce the burden on taxpayers by creating a system of shared responsibility amongst motorists. By providing mandatory coverage, citizens help pay for each other’s expenses in the event of an accident.

This helps keep taxes low and encourages safer driving habits, as motorists understand that they may be financially responsible for any accidents or damages caused by their negligence.

Read more: Does my car insurance cover damage caused by my own negligence?

Finally, car insurance is also a way for drivers to demonstrate financial responsibility before taking the wheel. By requiring proof of coverage, governments can ensure that those behind the wheel have the means to pay for any potential damages or injuries caused by their actions.

In summary, car insurance is required by law because it helps protect both drivers and third parties from financial hardship due to accidents. It also reduces the risk for taxpayers, encourages safe driving behavior, and demonstrates financial responsibility prior to operating a motor vehicle. Enter your ZIP code now. 

Types of Car Insurance Coverage for a Dodge

Liability insurance is one of the most essential types of car insurance coverage for Dodge drivers. This type of coverage provides protection from financial loss if you are found liable for an accident or injury to another person caused by your driving.

This can include paying medical bills and property damage expenses, as well as legal costs if a lawsuit is filed against you. In most states, liability insurance is legally required in order to operate a motor vehicle on public roads.

Collision coverage helps pay for repairs to your own vehicle after an accident. This can include accidents involving other vehicles or stationary objects like trees, telephone poles, or brick walls.

Collision coverage also covers any damages resulting from flipping over or rolling your car during an accident. It is important to note that collision coverage typically only applies if the accident was your fault. Find the best collision coverage car insurance companies.

Comprehensive car insurance coverage helps pay for repairs to your vehicle when it is damaged by something other than an accident.

This can include fire, wind, hail, theft, vandalism, and flooding. Comprehensive coverage usually comes with a deductible amount which must be paid out of pocket before any payments are made. Find the best comprehensive coverage car insurance companies.

Personal injury protection (PIP) is an additional type of coverage that helps cover medical expenses for yourself and your passengers after an accident.

It also covers lost wages, funeral costs, and other related expenses in some cases. PIP coverage is required in certain states while optional in others. Find the best personal injury protection car insurance companies.

Liability, collision, comprehensive, uninsured/underinsured motorist coverage, PIP, and medical payments are all important types of coverage that can help protect drivers from financial loss if they get into an accident. Find out how much car insurance you need.

Finding the Best Rates for Car Insurance for a Dodge

When it comes to finding the best rates for car insurance for a Dodge, there are several factors that can impact your premiums.

Shopping around and comparing car insurance from different providers is one of the most effective ways to find a good rate on car insurance. Taking advantage of any car insurance discounts you may qualify for is also essential in finding an affordable policy.

Vehicle age plays an important role in determining rates, as older cars typically cost more to insure due to their increased risk of being involved in an accident or experiencing damage due to regular wear and tear.

The safety features installed in a vehicle can also reduce a driver’s premium, as well as discounts available for safer drivers or those who have taken defensive driving courses.

Dodge owners may also qualify for additional discounts based on their car’s make and model. Certain models may be eligible for reduced rates due to their reputation of being reliable and well-constructed vehicles. (For more information, read our “What is the difference between a car’s make” and “model”?”)

In order to get the best possible rate on your Dodge’s car insurance, it is important to do your research and compare quotes from multiple providers. Enter your ZIP code now.