Dodge Car Insurance

A Dodge is an excellent choice when it comes to vehicles. The American automobile brand has made a name for itself owing to its solidly-built trucks and sleek sports cars. They are also known for producing safe and affordable cars of all sizes.

If you already own a Dodge or you are thinking of purchasing one in the future, you’ll need to budget for car insurance. Car insurance is mandatory regardless of vehicle make, so before you cruise down the highway in your new ride, be sure to purchase a valid auto insurance policy.

Dodge overview

Dodge, originally founded as the Dodge Brothers Company, was founded in 1900 by John Francis Dodge and Horace Elgin Dodge. The company was founded in Detroit, Michigan, and is currently headquartered in Auburn Hills. Today, Dodge is a division of multinational auto company Stellantis, which also owns 15 other car brands, including Fiat, Chrysler, Jeep, and Maserati.

Dodge’s specialty has always been trucks (which are now marketed under the Ram sub-brand) and full-sized passenger cars, and it remains so today. With the addition of SUVs and minivans, Dodge has become the automaker of choice for many Canadian families. The brand is also currently working on developing a line of electric vehicles, with their first all-electric muscle concept car scheduled to be unveiled in 2022.

At the end of the day, there are plenty of reasons that Canadians choose Dodge vehicles, from the budget-friendly price point and uniquely American design to the safety and reliability they offer.

Dodge fun facts

  • Dodge was sold to Chrysler back in 1928, eight years after co-founders and brothers John and Horace Dodge died (in 1920) from separate illnesses.
  • Dodge produced military vehicles for the United States Armed Forces during the U.S. Mexico Border War in the 1910s.
  • Aiming to disrupt the muscle car market of the 1960s and ‘70s, Dodge manufactured the Charger and Challenger, both of which are still in production today.

The most common types of Dodge car insurance coverage

Before you hit the road in your new Dodge, you’ll need to purchase a quality car insurance policy. Car insurance is mandatory in Canada, however, each province and territory has unique coverage requirements. When purchasing Dodge auto insurance, you will need to make several decisions regarding coverage, including which optional coverages to buy (if any) and how much of the mandatory coverages you wish to buy. Learn more about the various types of auto insurance coverage available to Dodge drivers below.

Third party liability coverage

Third party liability coverage is mandatory throughout Canada and protects the policyholder if they are injured or their car is damaged in a collision that they caused. Beyond medical bills and vehicle repairs, liability coverage can also help pay for legal counsel and court fees. Minimum coverage requirements for third party liability vary by province (for example, Alberta and Ontario drivers are required to carry $200,000 in liability coverage at all times).

Accident benefits coverage

Accident benefits coverage is compulsory in Canada. It protects the policyholder if they, a passenger, or a pedestrian require medical attention following a collision. Regardless of which party is liable for the collision, the policyholder can still recover compensation under the accident benefits portion of their policy.

Collision coverage

Collision coverage protects the policyholder if they get into an accident with another vehicle or object. Like accident benefits coverage, it covers the policyholder whether they are at fault for the accident or not. However, unlike accident benefits coverage, collision coverage provides compensation for the cost of property damage, not injuries. This type of coverage is optional in Canada.

Comprehensive coverage

Comprehensive coverage offers financial protection against theft, vandalism, fire, water damage, and more. Many Dodge drivers choose to purchase comprehensive coverage for the peace of mind it provides.

Accident forgiveness coverage

Including accident forgiveness coverage in your Dodge car insurance policy can save you money in the long run because if you purchase accident forgiveness coverage, your rates will not go up following your first at-fault accident, based on the terms of your agreement. Like comprehensive coverage, accident forgiveness coverage is optional but may be worthwhile for many drivers.

The biggest factors impacting Dodge auto insurance rates

Insurance providers consider a wide range of factors when calculating insurance premiums. Age, location, marital status, driving record, annual mileage, claims history, and more can all impact how much you pay for Dodge auto insurance. To help you understand which details could be affecting your auto insurance rate, we’ve put together the following list of the most common factors that influence insurance premiums.


Age is one factor that insurance companies use to calculate premiums. The younger you are, the more expensive your insurance may be, as your driving experience is limited. Conversely, seniors of a certain age may also pay more for car insurance based on statistical data.


Your location can also affect your insurance premium. For example, if you live in a major city like Calgary, Toronto, or Montreal, your insurance could cost more. Cities tend to have more traffic, which increases your odds of getting into an accident. In contrast, Canadian drivers who reside in rural parts of the country may have lower insurance rates because there are fewer cars on the road. Lastly, if you live in a region that is prone to climate related weather incidents, such as floods, you may pay a higher rate for your Dodge car insurance.

Annual mileage

The number of kilometres you drive each year is another factor that insurance companies will consider when calculating your premium. If you spend a below-average amount of time behind the wheel (perhaps you only drive on weekends or a few times a week), your insurance premium could be lower. On the other hand, if you spend an above-average amount of time on the road or you frequently drive at night, during rush hour, or on major highways, your Dodge car insurance may cost more.

Dodge year and model

The Dodge model you drive, and whether you drive a new or used Dodge, is another key factor that could impact your insurance rate. Typically, the more expensive the vehicle, the more it will cost to insure. As Dodge vehicles are known for their affordability, you may pay less for car insurance. However, custom trims can also increase the cost of insurance. Further, purchasing an older Dodge model or a used Dodge can also impact your car insurance rate.

How to get cheap Dodge car insurance

Auto insurance can be expensive, no matter how affordable the car is. Though Dodge cars don’t tend to break the bank, Canadian drivers might still be looking for ways to minimize how much they spend on auto insurance. Luckily, with the help of BrokerLink’s expert insurance advisors, we’ve compiled a list of tips and tricks for getting cheap Dodge car insurance. Check them out below.

  • Purchase car insurance for multiple vehicles together (savings of up to 20%)
  • Buy multiple insurance policies (home insurance + car insurance, leisure vehicle insurance + car insurance, etc) from the same company (savings of up to 15%)
  • Increase your deductible
  • Enrol in driving school (for young drivers)
  • Pay auto insurance annually rather than monthly
  • Install winter tires on your Dodge (savings of up to 5%, depending on the province)
  • Purchase an eco-friendly Dodge vehicle (savings of up to 10%)

Consult with a trusted insurance broker

One final way to save money on Dodge car insurance is to consult with an insurance broker. Reputable insurance brokers like BrokerLink know the ins and outs of the industry. We can explain the best money-saving tips and help unlock discounts on your behalf.

Plus, in addition to ensuring that you find the right policy at the best price, BrokerLink’s insurance advisors do all the legwork. So while you’re test-driving models at the Dodge dealership, we’ll be contacting insurance providers for quotes to find you the perfect policy.

Contact a BrokerLink insurance broker to learn more about Dodge car insurance

Interested in learning more about Dodge car insurance? BrokerLink is here.

BrokerLink has the resources and expertise to help you find your perfect car insurance policy. While you’re spending your free time your way, our insurance advisors will work tirelessly to compare quotes and browse coverage options on your behalf.

At the end of the day, you can always trust BrokerLink to find you the best Dodge car insurance policy at a competitive rate.

BrokerLink is pleased to offer free auto insurance quotes to all Canadian drivers. To request a quote online, click the “Get a quote” button in the top right-hand corner of this webpage. After answering a few basic questions about yourself and the model and year of your Dodge vehicle, you’ll receive an accurate and competitive quote in as little as five minutes. Please note that all BrokerLink quotes are 100% obligation-free, which means you have nothing to lose and everything to gain by requesting a quote today.

Prefer to obtain your free quote over the phone or in person? Give us a call or visit us at any of our Canadian locations. We can’t wait to meet you!

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Dodge auto insurance FAQs

What is the cheapest Dodge car to insure?

This is a difficult question to answer as so many factors come into play when calculating insurance rates. That said, purchasing a less expensive car can save you money on car insurance, as cheaper cars tend to be cheaper to insure. If you’re thinking of buying a Dodge, you’re in luck because they are known for their affordability. Current Dodge models are relatively similar in price, so whether you buy the Challenger, Charger, or Durango, you’ll be choosing a budget-friendly vehicle, which could save you money on car insurance.

Is it safe to buy Dodge auto insurance online?

Yes, it is safe to buy Dodge car insurance online, however, it isn’t always easy to do so. With so many car insurance companies competing for your business, trying to find the right policy can be tedious and overwhelming - unless you consult with a broker.

Is Dodge car insurance compulsory in Canada?

Yes, car insurance is mandatory in Canada. Each province and territory sets its own regulations surrounding car insurance, which means minimum coverage requirements vary by province. When shopping for Dodge car insurance, be sure to research the minimum requirements in your region so that you purchase a policy that complies with local laws.

*This article is in no way sponsored, endorsed, or associated with Dodge.

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