Dodge Avenger Insurance Rates

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 prices for a Dodge Avenger are $1,194 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $180 each year, collision costs $300, and liability coverage costs $534. Buying just liability costs as little as $588 a year, with insurance for high-risk drivers costing $2,584 or more. Teenage drivers cost the most to insure at $4,812 a year or more.

Average premium for full coverage: $1,194

Policy rates by type of insurance:

Includes $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Avenger models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than densely populated cities.

The graphic below illustrates how your location can change auto insurance prices.

The examples above illustrate why all drivers should compare rates using their specific location and their own driving history, rather than using average rates.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below illustrates estimated Dodge Avenger insurance rates for additional coverage and risk scenarios.

• The best discount rate is $714
• Drivers who choose higher $1,000 deductibles will pay $110 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,194
• Using low deductibles for comprehensive and collision insurance costs an extra $208 each year
• High-risk insureds who are prone to accidents and violations could pay around $2,584 or more
• Policy cost to insure a teenage driver can cost $4,812 a year

View Chart as Image

Insurance rates for a Dodge Avenger also range considerably based on liability limits and deductibles, your risk profile, and the model of your Avenger.

Using high physical damage deductibles could save up to $320 a year, whereas increasing liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $480 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may only pay around $1,100 per year on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay in the ballpark of $4,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,400 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers can cost around 42% to 130% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Dodge Avenger insurance rates. A 40-year-old driver could pay as low as $780 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,610 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to do a rate comparison and see how they stack up. Every company uses a different method to calculate rates, so the rates will be varied.

Insurance Rates by Trim Level and Model Year

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.

How to Shop for the Cheapest Dodge Avenger Insurance

Finding cheaper rates on auto insurance not only requires being a safe and courteous driver, but also having good credit, being claim-free, and maximizing policy discounts. Invest the time to shop around at every other renewal by getting quotes from direct insurance companies, and also from local insurance agencies.

Below is a recap of the concepts that were illustrated above.

• Drivers that have major violations or accidents may have to pay on average $1,390 more per year for auto insurance
• Teenage drivers are expensive to insure, possibly costing $401 each month if they have full coverage
• It is possible to save around $140 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $325 each year
• It is possible to save around $140 per year simply by quoting online in advance

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.

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.