Is a Dodge Dart cheap to insure?
The Dodge Dart is generally inexpensive to insure compared with higher-end or high-performance cars, especially when bought used. However, your actual premium depends on your age, location, driving history, coverage choices, and the specific Dart model year and trim.
To understand why, it helps to examine what drivers the insurers consider, how premiums differ by personal and vehicle details, and practical steps you can take to keep costs down if you’re shopping for a Dart.
Factors that influence Dodge Dart insurance costs
Insurance pricing for the Dart is shaped by multiple factors. The most impactful categories are listed below.
Model year, trim and engine
- Driver age and history: younger drivers or those with a claims/fa violation history typically pay more.
- Location and usage: urban areas and high-mileage usage tend to raise premiums.
- Vehicle specifics: older Dart models or standard trims usually cost less to insure than newer models or turbo/upgrade variants.
- Safety and theft factors: the presence of standard safety features and anti-theft devices can lower rates.
- Repair and parts costs: the Dart’s parts availability and repair costs in your market can influence premiums.
- Model year value: newer used Darts retain higher value, which can affect comprehensive/cremium pricing.
In practice, premiums swing based on the exact Dart configuration (year/trim) and the insurer’s risk assessment for that configuration.
Overall, the Dart’s cost to insure tends to be mid-range for a compact sedan; older, simpler trims are typically cheaper, while newer or turbocharged variants can push costs up slightly.
Typical premium ranges for a Dodge Dart
Because policy cost varies by age, location, and coverage, here's a broad guide to what you might expect under common conditions. These figures are estimates and should be confirmed with quotes from insurers.
- Average adult driver (ages 30–50) in a low-to-moderate risk state: roughly $1,200–$1,800 per year for full coverage.
- Younger drivers (under 25) or high-risk locations: $2,000–$3,500+ per year.
- Senior drivers (over 65) or drivers with a blemished record: $1,600–$2,800 per year.
Actual quotes will depend on personal details, the Dart’s trim and engine, chosen deductibles, and the insurer’s underwriting rules.
Ways to keep Dodge Dart insurance affordable
Shoppers can often bring costs down by shopping around and optimizing coverage. The following steps are widely recommended by insurers and consumer guides.
- Shop around and compare quotes from multiple insurers
- Consider higher deductibles to lower annual premiums
- Maintain a clean driving record and minimize at-fault claims
- Install anti-theft devices and leverage safety features where possible
- Use telematics or usage-based insurance programs to pay for actual driving
- Bundle auto with home or renters insurance to gain multi-policy discounts
- With an older vehicle, adjust coverage to reflect its value (e.g., drop comprehensive/collision if appropriate)
Even small adjustments, such as raising deductibles or adding a telematics program, can add up to meaningful savings over a year.
The Dodge Dart today: is it a good buy for insurance purposes?
The Dodge Dart ceased production after the 2016 model year, so prospective buyers are typically shopping for a used vehicle. While the Dart can be inexpensive to insure, costs vary by state and by driving history. If your priority is a budget-friendly insurance option, also compare other compact sedans in your area to see how premiums compare in your state.
Summary
Bottom line: Insurance costs for the Dodge Dart are generally lower than for high-end or high-performance vehicles, but your rate will hinge on your age, location, driving history, and chosen coverage. To get a reliable sense of cost, request personalized quotes from several insurers and tailor your policy to your needs.
