Dodge Avenger Insurance Rates
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UPDATED: Dec 14, 2021
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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.
Average insurance rates for a Dodge Avenger are $1,274 a year for full coverage. Comprehensive costs on average $206 a year, collision costs $368, and liability insurance costs $520. A liability-only policy costs as little as $576 a year, with high-risk insurance costing around $2,764. Teen drivers receive the highest rates at $5,052 a year or more.
Average premium for full coverage: $1,274
Rate estimates by individual coverage type:
Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Avenger trim levels.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $576 for only liability insurance to a high of $2,764 for a high risk driver.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.
The diagram below illustrates the effect of location on car insurance rates.
These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price 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.
Insurance Rate Analysis
The chart below shows estimated Dodge Avenger insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $753
- Drivers who choose higher $1,000 deductibles will pay around $1,144 a year
- The average rate for a 40-year-old driver with $500 deductibles is $1,274
- Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,528
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,764 or more
- The cost for full coverage for a teen driver may cost $5,052 a year
for a Dodge Avenger can also vary considerably based on your driver profile, the trim level of your Avenger, and policy deductibles and limits.
Older drivers and high deductibles could pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,000 a year. View Rates by Age
Where you live makes a big difference in Dodge Avenger insurance rates. A 40-year-old driver could pay as low as $840 a year in states like Idaho, Maine, and Iowa, or as much as $1,820 on average in Michigan, Louisiana, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Choosing high deductibles could save up to $390 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $468 . View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,500 to $2,200 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 131% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Dodge Avenger Express||$1,274||$106|
|Dodge Avenger R/T||$1,274||$106|
|Dodge Avenger SXT||$1,274||$106|
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|
|2013 Dodge Avenger||$206||$368||$520||$1,274|
|2012 Dodge Avenger||$198||$346||$524||$1,248|
|2011 Dodge Avenger||$194||$322||$534||$1,230|
|2010 Dodge Avenger||$180||$300||$534||$1,194|
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 Cheaper Dodge Avenger Insurance
Saving money on Dodge Avenger insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.
Here is a summary of the information that was covered in this article.
- Increasing deductibles can save around $375 each year
- Drivers can save as much as $150 per year simply by quoting early and online
- Drivers who require more liability insurance will pay about $570 each year to go from a minimum limit to 250/500 limits
- Young drivers pay the highest rates, costing as high as $421 per month for full coverage
- High-risk drivers that have multiple accidents or serious violations will pay on average $1,490 more each year for insurance
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
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$85|
|5-yr Claim Free||$81|
|Paid in Full/EFT||$51|
Discounts are estimated and may not be available from every company or in every state.