Dodge Avenger Insurance Rates
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UPDATED: May 6, 2024
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If you are reading this article, you are probably wondering if Dodge Avengers are expensive to insure. Finding the right Dodge Avenger insurance rates can be hard, but we are here to help you through the process.
Our guide goes over different insurance rates for the Dodge Avenger. We also explain why you end up with the rates you do by showing you what insurers are looking for in vehicles.
Want to get a Dodge Avenger car insurance quote right away to find out how much insurance is on a Dodge Avenger? Enter your ZIP code in our free tool above.
The average insurance rates for a Dodge Avenger are $1,230 a year including full coverage. Comprehensive costs an estimated $194, collision costs $322, and liability coverage is estimated at $534. A liability-only policy costs approximately $588 a year, with high-risk insurance costing around $2,664. 16-year-old drivers cost the most to insure at $4,924 a year or more.
Average premium for full coverage: $1,230
Policy rates broken down by type of insurance:
Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Avenger trim levels.
Price Range Variability
For a driver in their 40's, Dodge Avenger insurance rates go from as low as $588 for liability-only coverage to a much higher rate of $2,664 for a high-risk insurance policy.
Urban vs. Rural Price Range
Living in a larger city has a large influence on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than congested cities.
The price range example below illustrates how location helps determine insurance prices.
The examples above highlight why anyone shopping for car insurance should get quotes for a targeted area and risk profile, rather than using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below breaks down estimated Dodge Avenger insurance rates for other coverage scenarios.
- The best full coverage rate is $733
- Choosing higher $1,000 deductibles can save approximately $118 every year
- The average rate for a good driver age 40 who has $500 deductibles is $1,230
- Buying more expensive low deductibles for comp and collision coverage will increase the cost to $1,456
- Drivers with multiple tickets or accidents could pay up to $2,664 or more
- Policy cost for full coverage for a teenage driver with full coverage can cost as much as $4,924 each year
Car insurance rates for a Dodge Avenger also range considerably based on your risk profile, the model of your Avenger, and liability limits and deductibles.
An older driver with no driving violations and high deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged at least $4,900 a year. View Rates by Age
Your home state plays a big part in determining prices for Dodge Avenger insurance rates. A good driver about age 40 could pay as low as $940 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,760 on average in Louisiana, New York, and Michigan.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,112 | -$118 | -9.6% |
Alaska | $944 | -$286 | -23.3% |
Arizona | $1,022 | -$208 | -16.9% |
Arkansas | $1,230 | -$0 | 0.0% |
California | $1,402 | $172 | 14.0% |
Colorado | $1,172 | -$58 | -4.7% |
Connecticut | $1,264 | $34 | 2.8% |
Delaware | $1,390 | $160 | 13.0% |
Florida | $1,538 | $308 | 25.0% |
Georgia | $1,136 | -$94 | -7.6% |
Hawaii | $882 | -$348 | -28.3% |
Idaho | $832 | -$398 | -32.4% |
Illinois | $914 | -$316 | -25.7% |
Indiana | $930 | -$300 | -24.4% |
Iowa | $830 | -$400 | -32.5% |
Kansas | $1,168 | -$62 | -5.0% |
Kentucky | $1,678 | $448 | 36.4% |
Louisiana | $1,822 | $592 | 48.1% |
Maine | $760 | -$470 | -38.2% |
Maryland | $1,016 | -$214 | -17.4% |
Massachusetts | $982 | -$248 | -20.2% |
Michigan | $2,134 | $904 | 73.5% |
Minnesota | $1,030 | -$200 | -16.3% |
Mississippi | $1,474 | $244 | 19.8% |
Missouri | $1,090 | -$140 | -11.4% |
Montana | $1,320 | $90 | 7.3% |
Nebraska | $970 | -$260 | -21.1% |
Nevada | $1,476 | $246 | 20.0% |
New Hampshire | $888 | -$342 | -27.8% |
New Jersey | $1,376 | $146 | 11.9% |
New Mexico | $1,090 | -$140 | -11.4% |
New York | $1,296 | $66 | 5.4% |
North Carolina | $710 | -$520 | -42.3% |
North Dakota | $1,008 | -$222 | -18.0% |
Ohio | $848 | -$382 | -31.1% |
Oklahoma | $1,260 | $30 | 2.4% |
Oregon | $1,128 | -$102 | -8.3% |
Pennsylvania | $1,172 | -$58 | -4.7% |
Rhode Island | $1,640 | $410 | 33.3% |
South Carolina | $1,116 | -$114 | -9.3% |
South Dakota | $1,040 | -$190 | -15.4% |
Tennessee | $1,076 | -$154 | -12.5% |
Texas | $1,480 | $250 | 20.3% |
Utah | $910 | -$320 | -26.0% |
Vermont | $842 | -$388 | -31.5% |
Virginia | $736 | -$494 | -40.2% |
Washington | $948 | -$282 | -22.9% |
West Virginia | $1,128 | -$102 | -8.3% |
Wisconsin | $852 | -$378 | -30.7% |
Wyoming | $1,094 | -$136 | -11.1% |
Opting for high physical damage deductibles can save as much as $350 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $480 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance ranges around 43% to 135% more than the average rate. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates and see how they stack up. Each auto insurer utilizes a different rate formula, so rate quotes will be varied from one company to the next.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Dodge Avenger Express | $1,230 | $103 |
Dodge Avenger R/T | $1,230 | $103 |
Dodge Avenger SXT | $1,230 | $103 |
Rates assume 2013 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2014 Dodge Avenger | $198 | $346 | $524 | $1,248 |
2013 Dodge Avenger | $194 | $322 | $534 | $1,230 |
2012 Dodge Avenger | $180 | $300 | $534 | $1,194 |
2011 Dodge Avenger | $174 | $272 | $540 | $1,166 |
2010 Dodge Avenger | $162 | $248 | $534 | $1,124 |
Rates are averaged for all Dodge Avenger models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Dodge Avenger Insurance
Finding cheaper rates on auto insurance takes being a good driver, having above-average credit, paying for small claims out-of-pocket, and not having any coverage lapses. Invest time comparing rates at least every other year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The following list is a brief recap of the car insurance concepts covered in the charts and tables above.
- Drivers who tend to receive serious violations may pay on average $1,430 more annually than a safer driver
- You may be able to save approximately $140 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles can save around $350 each year
- Consumers who want an increased level of liability coverage will pay around $590 per year to raise limits from a 30/60 limit to 250/500 limits
You can save a few hundred dollars on car insurance by shopping for quotes and increasing your deductible limits. Want to know what else determines the price of car insurance? Keep reading to find out.
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How does the size and class of the Dodge Avenger affect liability rates?
What does liability insurance cover? Liability insurance covers the costs of other drivers if you caused the accident. This insurance is often required by law, and it is composed of two parts: bodily injury insurance and property liability insurance. Bodily injury pays for injured drivers’ medical bills, and property damage pays for their vehicle repairs.
Because liability insurance pays for other drivers’ accident costs, you will have higher liability rates if your car can easily injure other drivers and damage vehicles. Riskier vehicles could either be a large, heavy vehicle or a vehicle prone to crashing.
Some people ask if a Dodge Avenger is a sedan or if Dodge Avengers are considered sports cars. But since the Dodge Avenger is a midsize, four-door car, it likely won’t be able to crush vehicles the same size as it and won’t be grouped in with sports cars.
However, we do want to make sure that the Dodge Avenger has low liability losses (claims paid) even though it isn’t likely to total other vehicles. We took a look at the Insurance Institute for Highway Safety’s (IIHS) 2012 to 2014 data on insurance losses by make and model to find out liability losses for the Dodge Avenger.
- Bodily Injury Liability Losses: 77 percent (substantially worse than average)
- Property Damage Liability Losses: 41 percent (substantially worse than average)
Unfortunately, the Dodge Avenger has very poor losses. These high numbers mean multiple liability claims were filed on the Dodge Avenger from 2012 to 2104. Since this could result in higher rates, the next section will cover average liability rates, so you are prepared for what you’ll be paying.
What does liability insurance cost for the Dodge Avenger?
Our rates in this section were collected from a sample Geico quote for a 40-year-old male driver with a clean driving record. He owns his 2014 Dodge Avenger SE, travels 13,000 miles a year, and lives in Pennsylvania (rates will vary depending on your area). The first set of rates is for bodily injury liability coverage levels.
- Low ($15,000/$30,000): $42.58
- Medium ($100,000/$200,000): $87.28
- High ($500,000/$500,000): $140.50
The price increases may seem high as you upgrade your coverage level, but these rates are for a six-month period. So the $98 price tag to upgrade from low to high coverage only amounts to $16 a month. The price increases for property damage liability are even lower.
- Low ($5,000): $458.66
- Medium ($20,000): $493.55
- High ($100,000): $519.04
It only costs $5 a month to upgrade to medium coverage and only $10 a month to upgrade to high coverage. While you may be tempted to save a few bucks a month and buy low coverage for your Dodge Avenger, we do not recommend this.
Since Dodge Avengers have poor liability losses, multiple claims are filed against them. Paying extra for medium or high coverage will ensure you aren’t stuck paying for other drivers’ accident costs out of pocket. If you can’t pay the costs, you risk being sued by the other driver. Having high amounts of coverage ensures costs will be covered.
What are the safety features and ratings of the Dodge Avenger?
The 2014 Dodge Avenger (the last model year made) has some great safety features. Below is a complete list of standard safety features from AutoBlog.
- Crash prevention features: anti-lock brakes and stability features.
- Crash protection features: front-impact airbags, side-impact airbags, overhead airbags, seatbelt pretensioners, and anti-whiplash headrests.
- Anti-theft features: vehicle intrusion alarm and ignition disable device.
The standard safety features on the 2014 Dodge Avenger are designed to protect you, which makes means your insurer will have to pay less on your claim. Likewise, if your car helps you avoid a crash altogether, your insurer won’t even have to deal with a claim.
So the more safety features you have in your car, the more likely it is that insurers will give you a good discount on your average car insurance rates. A good safety rating on your car will also help you earn a discount.
The IIHS’s crash test on the 2014 Dodge Avenger showed great results, as the Dodge Avenger won the IIHS’s 2014 Top Safety Pick award. Below, you can see the ratings from the IIHS’s various crash tests on the Dodge Avenger.
- Small overlap front (driver-side): Acceptable
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
Good is the highest rating possible, which means four out of the five crash tests were excellent. However, since acceptable is the second-highest rating, the Dodge Avenger did well overall. The IIHS video below shows how the small overlap front (driver-side) crash test works.
These crash tests test both how the car holds up and how the test dummies hold up. Good results mean your car will protect you in a crash. Insurers may also look at fatality rates by vehicle type to determine risk.
Cars do have the highest fatality rates, as the IIHS’s 2018 study found that car driver fatalities per million vehicles equaled 49 fatalities. This is high, as the driver pickup fatalities only equaled 34, and the driver SUV fatalities equaled 23. All occupant fatalities per million vehicles showed similar differences: 69 car fatalities, 42 pickup fatalities, and 32 SUV deaths.
The total car crash fatalities can be broken up into the following crash types.
- Frontal Impact: 7,433 fatalities
- Side Impact: 3,568 fatalities
- Rear Impact: 834 fatalities
- Other (mostly rollovers): 1,303 fatalities
These crash types total 13,138 fatalities, which is higher than SUV total fatalities (5,035) and pickup total fatalities (4,369).
Since cars have higher fatality rates, it is important that you pick a car that has great safety ratings and safety features. This will help balance out the higher rates for cars. Luckily, the Dodge Avenger meets these criteria, so you should receive a decent discount on your average car insurance rates.
What is the MSRP of the Dodge Avenger?
Insurers often use the manufacturer suggested retail price of a car to determine car insurance rates for collision and comprehensive insurance. Why? The MSRP price is a fixed price that doesn’t change, unlike the seller’s invoice price and the fair market value of a car. So the MSRP gives insurers a good idea of how much a car will cost to repair or replace.
As for why MSRP affects collision and comprehensive insurance, it’s because these two coverages cover repair costs of your vehicle after an accident, regardless of who caused the accident. Collision coverage covers costs after collisions with other vehicles and objects, while comprehensive coverage covers animal collisions, natural disasters, weather, theft, and vandalism.
In fact, these two coverages are so important that most lenders require drivers to carry them when they sign a lease. This is called force-placed insurance, and it is more expensive to have collision and comprehensive insurance through your lender. So to save money, buy these coverages through a regular insurer, not your lender.
So what is the MSRP of the Dodge Avenger? Because it is an older car, Kelley Blue Book (KBB) doesn’t have the MSRP for the 2014 Dodge Avenger. However, KBB does have the following average prices.
- Typical Listing Price: $8,002
- Fair Purchase Price: $7,210
- Fair Market Range: $6,171 to $8,248
The typical listing price is usually lower than the MSRP, so we can expect that the MSRP is about $10,000. This isn’t bad, as a lower MSRP means lower rates. Low collision and comprehensive losses will also help lower the price of insurance. According to the IIHS, the Dodge Avenger had the following insurance losses from 2012 to 2014.
- Collision Losses: 19 percent (average)
- Comprehensive Losses: 5 percent (average)
Both the losses are average, which is good. While above-average losses mean lower rates, average losses aren’t a bad thing. It means you’ll have a normal rate on your car insurance.
How much will it cost to repair my Dodge Avenger?
Along with using the cost of your vehicle, insurers will use repair estimates to calculate insurance rates. Cars that are often more expensive to repair include older vehicles, unpopular models, or custom made cars.
To see how much it costs to maintain and repair the Dodge Avenger, we took a look at RepairPal’s reliability rating of the Dodge Avenger. The reliability rating of the Dodge Avenger is 4 out of 5 (above average), and the average annual repair cost is $541, which includes maintenance like oil changes. This repair cost is slightly above the average for compact cars ($526), but it is still low.
As for damage repairs, we visited InstantEstimator and used its free tool to calculate the repair costs for level two damage to a 2014 Dodge Avenger. The following estimates are based on paint labor, body labor, painting supplies, hazardous waste disposal, and sand/paint/buff.
- Front bumper: $413
- Rear bumper: $423
- Hood: $387
- Roof: $423
- Door: $391
- Fender: $351
- Quarter panel: $363
These prices are fairly normal. Like most cars, repairing the rear bumper and front bumper are some of the more expensive repairs to make. Still, the repair costs are average, so the Dodge Avenger shouldn’t be expensive to insure.
We hope our guide to the Dodge Avenger’s average car insurance rates has helped. You should now be ready to start shopping for car insurance to find out which car insurance company is the cheapest. If you want to start comparing rates for the Dodge Avenger, use our free rate tool by entering your ZIP code.
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,924 |
20 | $2,842 |
30 | $1,256 |
40 | $1,230 |
50 | $1,130 |
60 | $1,108 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,456 |
$250 | $1,352 |
$500 | $1,230 |
$1,000 | $1,112 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,230 |
50/100 | $1,337 |
100/300 | $1,470 |
250/500 | $1,817 |
100 CSL | $1,390 |
300 CSL | $1,684 |
500 CSL | $1,898 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,962 |
20 | $4,532 |
30 | $2,692 |
40 | $2,664 |
50 | $2,550 |
60 | $2,524 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $63 |
Multi-vehicle | $67 |
Homeowner | $21 |
5-yr Accident Free | $80 |
5-yr Claim Free | $78 |
Paid in Full/EFT | $48 |
Advance Quote | $56 |
Online Quote | $84 |
Total Discounts | $497 |
Discounts are estimated and may not be available from every company or in every state.
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