Are Dodge Darts high on insurance?

For most buyers, Dodge Darts sit in the mid-range for insurance costs among compact sedans; they're not typically considered high-cost to insure, though premium variants can raise the bill.

The Dart, produced from 2013 through 2016, offered engines ranging from 2.0L to 2.4L four-cylinders and a turbocharged 1.4L option. Insurers weigh factors such as engine size, safety features, theft risk, and the driver’s profile when calculating premiums. This article outlines the main cost drivers and practical steps to manage them.

Key factors that influence Dodge Dart insurance costs

Insurance costs for the Dodge Dart are shaped by several overlapping factors. The following list highlights the main variables insurers consider when quoting premiums for this model.

• Model year and trim level: More recent years and higher-performance or turbocharged engines can carry higher premiums due to higher repair costs and perceived risk.


• Engine and performance: Turbocharged or sportier variants may be priced higher because of their higher repair costs and increased risk of claims.


• Safety features and ratings: Vehicles with advanced airbags, stability control, ABS, and favorable crash-test results can qualify for discounts; lack of certain features may affect rates.


• Theft and vandalism risk: Insurance groups consider historical theft rates for the Dart; as a mid-range sedan, theft risk is generally moderate but can vary by location.


• Repair costs and parts availability: Availability of affordable parts and repair networks influences premiums; older Darts may have cheaper parts but higher labor costs as they age.


• Driver profile: Age, driving history, credit-based insurance scoring (where allowed), annual mileage, and usage (commuting vs. pleasure) all affect quotes.


• Geographic location: Urban vs rural, state regulations, and local accident rates influence premiums; some states require different coverages and rates.


• Usage and coverage: Choice of coverage (state minimum vs full coverage), deductibles, and liability limits directly alter costs.

Understanding these factors helps buyers anticipate what might raise or lower their Dart insurance quotes.

Strategies to reduce Dodge Dart insurance costs

Insurance premiums can be reduced with targeted actions. The following practices are commonly effective for Dodge Dart owners and similar compact sedans.

• Shop around and compare quotes from multiple insurers; prices can vary significantly.


• Bundle auto with home or renters insurance to earn multi-policy discounts.


• Opt for a higher deductible if you can afford the potential out-of-pocket costs.


• Maintain a clean driving record and take approved defensive driving courses where available.


• Install eligible safety and anti-theft devices (alarm systems, immobilizers, trackers) to qualify for discounts.


• Limit annual mileage and consider telematics or usage-based insurance programs if offered.


• Keep good credit where legal, since many insurers use credit-based scoring to determine rates.


• Assess coverage needs regularly and avoid paying for coverage you don’t need (e.g., collision on an older car with low market value).

By applying these strategies, you can often realize meaningful savings on a Dodge Dart's insurance without sacrificing essential protection.

Summary

The Dodge Dart generally falls within the mid-range for insurance among compact sedans. Premiums are influenced by year, trim, engine, safety features, theft risk, repair costs, driver profile, and location. By shopping around, leveraging discounts, and choosing appropriate coverage and deductibles, Dart owners can manage costs effectively while maintaining adequate protection.

Are Dodge cars expensive to insure?

Average Cost To Insure a Dodge
The average cost to insure a 2022 Dodge model is $354 per month or $4,242 per year. That's about 74% higher than the national average for a full-coverage auto policy, which is currently $203 per month or $2,433 per year.

Is insurance high on a Dodge Dart?

The Dart costs less to insure than most sedans. Averaging $142/mo for the Dart versus $203/mo for typical sedans. If you're considering a vehicle similar to the Dart, like the Dodge Charger ($229/mo), Dodge Nitro ($120/mo), or Dodge Caliber ($125/mo), your insurance costs will be about the same.

What year to avoid Dodge Dart?

The years to most avoid are 2013 and 2014 Dodge Darts, with the 2013 model year being the worst due to widespread issues with the engine, transmission, and various other components. While later models (2015-2016) generally saw fewer problems, they still fall under the umbrella of the 5th generation (2013-2016) that experienced numerous recalls and complaints, so they should also be approached with caution. 
Years to most avoid

• 2013: This model year is notorious for the most issues. Problems include: 
  • Engine troubles (often around 40,000 miles). 
  • Transmission problems with both the six-speed automatic and manual transmissions. 
  • Brake issues, including a recall for faulty rear calipers. 
  • Electrical problems, such as sudden battery failure and steering/braking glitches. 
  • Interior component failures, like broken sun visors. 
• 2014: While slightly better than the 2013, many of the same problems persisted, including those with the engine and transmission. 

Other years to be cautious of

• 2015 and 2016: These models had fewer issues than the earlier years and sales were better, but they are still part of the 5th generation that had a reputation for problems and multiple recalls.
  • Owners reported issues like excessive oil consumption, electrical problems, and certain transmission issues.
  • A large recall in 2019 covered the 2013-2016 automatic transmission models due to a defective part that could cause the vehicle to roll away. 

What to look for if you still want a Dart

• Manual transmission: Some owners report fewer problems with manual transmission models, especially if they are the 2.4L engine.
• 2.4L engine: The 2.4L engine is less likely to have issues than the 1.4L turbo or the 2.0L engine.
• Avoid the 2.0L with CVT: Avoid 2.0L models with the CVT (Continuously Variable Transmission), as this combination is reported to be particularly problematic. 

Which vehicle has the highest insurance?

The most expensive car to insure varies by source and model year, but the Maserati Quattroporte, Audi R8, and certain Tesla models like the Model S are consistently cited as top contenders due to their high value and repair costs. Generally, luxury vehicles, high-performance sports cars, and cars with expensive parts are more expensive to insure. 
Examples of expensive cars to insure

• Maserati Quattroporte: Frequently mentioned as one of the most expensive, with some sources citing average annual premiums as high as $5,024 or $7,090. 
• Audi R8: Also frequently listed, with average annual premiums reaching up to $6,656. 
• Tesla Model S: Specific models, such as the Model S Plaid, have average annual premiums in the $5,500-$5,542 range. 
• BMW models: High-end models like the M8 Coupe, 840, and 740 are often among the most expensive to insure. 
• Porsche 911: The luxury sports car has an average annual premium of $5,384 according to one report. 
• Dodge Charger: Certain models, like the SRT Hellcat Redeye edition, are noted for high insurance costs. 

Why these cars are expensive to insure

• High value: The high purchase price of luxury and high-performance vehicles makes the cost to replace them if they are stolen or totaled much higher. 
• Expensive parts: Luxury and sports cars have expensive parts, which drives up the cost of repairs after an accident. 
• High-performance and speed: Vehicles built for speed are often seen as a higher risk by insurers. 
• Theft risk: Some models may be more prone to theft, which increases insurance premiums.