Dodge Avenger Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• The Dodge Avenger costs about the same as most other cars to insure.
• Full coverage car insurance for an Avenger tends to be about $181 a month, on average, while liability only insurance typically comes in at around $93 monthly.
• The cheapest auto insurance company for an Avenger is Hugo.

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Avenger Overview

The Dodge Avenger is a great car for drivers on a budget, with a base price of just $20,595 for 2014 models. There's a Avenger for every driver, with a choice of four different trim options.

We ran through thousands of insurance quotes on Compare.com, and we've found that Dodge Avenger car insurance prices run about $165 per month, on average. Where does that fall compared to the rest of the market?

How Much is Car Insurance for a Dodge Avenger?

Looking at the table above, you can see that compared to other vehicles, Dodge Avenger insurance premiums are right around average. On average, Avenger drivers will pay about $93 a month for liability insurance, and around $181 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (learn more about the difference with our guide "State Minimum vs. Full Coverage").

Comparing it to other models, the Avenger is on par with Dodge's vehicle offerings. Compared to offerings from other brands, insurance for an Avenger is similarly on the expensive side, with full coverage insurance rates coming in about $4 more and $10 more for liability only insurance.

Compared to all vehicles, regardless of make, model, or body style, car insurance prices for both liability only and full coverage policies run more expensive than average.

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Who has the Cheapest Car Insurance for a Dodge Avenger?

If you're looking for a new car insurance policy for your Dodge Avenger, you may be most interested in which carrier offers the most affordable prices. Even though costs will normally be pretty different from between drivers, Ohio Mutual and and Encompass offer the most affordable average rates for liability only coverage, with rates as cheap as just $33 a month.

Aspire, Safeway, and ACG finish off the rest of the top 5. However, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

After all, auto insurance companies look at a bunch of variables when calculating premiums, so your results might be different. The only way to guarantee you'll find the lowest rates is to compare quotes from an array of car insurance carriers.

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What Factors Affect Car Insurance Rates for a Dodge Avenger?

As we mentioned above, there are a wide array of factors that insurance companies take into account to decide how much they charge you for a policy -- and each company weighs different attributes more heavily than others, so there's not a singular carrier that's the cheapest for everyone.

The following sections show a lot of things auto insurance carriers use to calculate rates:

Vehicle Age

Dodge has been making the Avenger for quite some time, so the car's age may make a big difference in how much you'll pay for car insurance. Typically, it costs less to insure older cars because they're worth less than newer models, and as time goes on and Avengers continue to depreciate, insurance costs will gradually go lower.

Since a new model has not been added to the market for at least 5 years, the Avenger won't really fit this trend. However, as you can see in the table above, the cheapest Dodge Avengers to insure are those that are 15 years old or more, while the most expensive models are Avengers that are 6 to 7 years old, on average.

Your Age

How old you are makes a significant difference in how much auto insurance companies will charge you. In the table above, you'll see that teenage drivers have more expensive rates than older drivers. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Auto insurance prices continue to get lower as you get older, with the cheapest age group for Avenger drivers being 45-54.

Your Gender

Did you know women usually pay less for insurance than men? This is because men are more likely to get tickets and get into collisions, which raises the chances of an insurance claim. When it comes to Avenger drivers specifically, men pay around $9 more than women per month for car insurance.

Where You Live

It may be obvious that variables like how old you are and what vehicle you drive play a role in your auto insurance premiums, but you may not realize that where you live matters just as much. Car insurance is regulated on the state level and not nationally, so rates can differ quite a bit from state to state.

For example, the average Dodge Avenger driver in New York pays about $191 monthly for liability coverage. Meanwhile, the same Californian owner will pay less than half of that price, on average. The chart above shows average prices for the top 10 most populous states, just to give you a good idea of how much premiums can change across states.

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Dodge Avenger Car Insurance Discounts

No matter your car, your age, or your home state, it's always important to take advantage of as many insurance discounts as possible.

Even though all auto insurance carriers offer their own unique discounts, there are a few different ones that you'll find with most companies. These include things like:

• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher than average safety ratings
• Defensive driving discounts for taking a defensive driving class from a certified school or institution
• Multi-policy discounts for getting both your home and auto policies from the same company
• Pay-in-full discounts for choosing to pay your entire policy premium up front, rather than by monthly payments

There are all sorts of other discounts out there for saving money on your car insurance. Often, it's actually your driving history and insurance profile that get you the lowest rates.

Although you may not be able to control every factor insurance carriers look at to calculate rates (like some of the ones mentioned above), you can influence some of them. Below are just a few of the things you can use in your favor in order to save on auto insurance:

Your Driving Record

It's no secret that insurance companies offer the lowest prices to drivers with a history of responsible driving. And you're probably not surprised to hear that your car insurance premiums will go up if you get a speeding ticket or get into a collision. But you still might be left wondering exactly how much these infractions will cost you.

As you can tell, accidents will usually cost Avenger drivers more than tickets, but both will result in higher than average rates. Dodge Avenger drivers with a single ticket will pay an average of $107 a month, while drivers with one accident on their record pay about $112 each month (up $19 from the $93/mo. overall average). Those who have multiple kinds of either violation will end up paying even more.

How Much You Drive

The total distance you drive annually impacts your insurance prices. Those who drive less often have fewer opportunities to get into an accident, so they'll generally end up spending less on auto insurance. In the above table, you can see that Dodge Avenger owners who drive 10,000 miles or more pay $92 for car insurance, while those who drive fewer than 2,500 miles per year pay about $87 monthly.

If you happen to be one of those drivers who put very few miles on your Dodge Avenger each year, it may be worth learning about usage-based or pay-per-mile insurance. With these kinds of policies, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Dodge Avengers Compare to Other Vehicles?

If you're thinking about making a Dodge Avenger your next purchase, you're probably wondering how it compares to other vehicles. Insurance is just one cost that comes with buying a new car, but it's certainly one that's worth considering carefully.

Take a look at the table below to see how the Dodge Avenger compares:

Overall, the Dodge Avenger is a fantastic value when it comes to price, with an MSRP that's a third less than the going rate for a new vehicle. While the average vehicle MSRP in the U.S. is $39,832, the Avenger has a base price of just $20,595. And since there hasn't been a new Avenger model on the market recently, used prices will be even less expensive.

Although the Avenger's price is on the low end of the spectrum, car insurance premiums run above average when compared to other vehicles on the market. Liability insurance for a Dodge Avenger is around $17 per month more than average, while full coverage is $18 more per month.

When it comes to usage, Dodge Avenger owners drive more miles annually than the national average, with 14,727 miles a year compared to 11,617 for all vehicles.

Dodge Avenger Car Insurance Costs by Model Year

You've seen how different factors can affect how much you might pay for auto insurance. But if you're considering buying a new Avenger, knowing what you can expect to pay for the specific vehicle you're looking at can be extremely valuable as you weigh your choices.

Choose Your Model

2014 Dodge Avenger Car Insurance 2013 Dodge Avenger Car Insurance 2012 Dodge Avenger Car Insurance 2011 Dodge Avenger Car Insurance 2010 Dodge Avenger Car Insurance 2009 Dodge Avenger Car Insurance 2008 Dodge Avenger Car Insurance

2014 Dodge Avenger Car Insurance

2014 Dodge Avenger drivers can expect to pay an average of $98 monthly for liability or $187 for full coverage.

MetLife has premiums sometimes as cheap as $22 a month for the 2014 Dodge Avenger.

Interested in what your auto insurance rate could look like? Enter your ZIP code below to get a variety of free customized quotes.

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2013 Dodge Avenger Car Insurance

You can expect full coverage for a 2013 Avenger to run about $188 per month, while liability only coverage will average around $96 monthly.

With prices as low as $23 per month, Hugo offered the cheapest policy we found.

While these are good estimates of what the average driver might pay to insure a 2013 Dodge Avenger, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2012 Dodge Avenger Car Insurance

It costs about $93 a month for liability or $178 for a full coverage policy for the 2012 Dodge Avenger.

If you're looking for the most affordable 2012 Dodge Avenger insurance policy, Elephant offered the lowest policy we found, with rates as cheap as $19 monthly.

If you want to know just how much your premium will be, just enter your ZIP code below and get several free quotes in minutes.

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2011 Dodge Avenger Car Insurance

The average cost to insure a 2011 Avenger with liability only coverage is $98 a month, while full coverage runs around $183 per month.

With premiums as little as just $22 a month, Hallmark offered the most affordable policy we found for the 2011 Dodge Avenger.

Want to know just how much you'll pay? Get multiple personalized quotes for free by just entering your ZIP code below.

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2010 Dodge Avenger Car Insurance

On average, drivers who own a 2010 Dodge Avenger can expect to pay $96 to $169 monthly for liability only and full coverage car insurance, respectively.

AnswerFinancial offered the lowest policy we found, with rates as little as $23 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2009 Dodge Avenger Car Insurance

The average cost to insure a 2009 Avenger with liability only coverage is $84 a month, while full coverage runs about $182 monthly.

We found Mapfre offered the cheapest policy, with rates sometimes as little as $18 per month.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2008 Dodge Avenger Car Insurance

You can expect full coverage for a 2008 Dodge Avenger to run around $165 monthly, while liability only coverage will average about $94 per month.

Looking for the most affordable policy? Infinity offered liability only coverage for as low as just $17 a month.

If you want to know just how much your price will be, just enter your ZIP code below and get free quotes in minutes.

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Dodge Avenger Insurance FAQs

Is a Dodge Avenger expensive to insure?

It costs about the same to insure a Dodge Avenger as insuring the average vehicle. car. Liability insurance runs an average of $93 per month, while full coverage will cost you around $181.

How can I get the best price on car insurance for my Dodge Avenger?

There's only one way to make sure you're getting the lowest rates -- regularly shopping around and comparing quotes from numerous carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from many companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Dodge Avenger affect my insurance prices?

You may have heard the old adage that red cars cost more to insure, but that's simply not true. There are a range of things auto insurance carriers consider when they offer you a premium, but the color of your Dodge Avenger is not factored into that decision.

Do I need to have insurance before I buy a Dodge Avenger?

Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have an insurance policy in place. As part of the buying process, some dealerships might offer you a car insurance policy, but it's best to let your insurance carrier know before you buy.

What car insurance discounts can I get for my Dodge Avenger?

You will find tons of discounts out there when it comes to car insurance. Many of them (like "safe driver discounts" and "multi-policy discounts") are more based on you than the car you drive, but if your Avenger has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may qualify for certain discounts. To learn more about which discounts you may qualify for, reach out to your insurance company and ask about which discounts they offer, since they fluctuate quite a bit from carrier to carrier.