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.

U.S. average auto insurance rates for a Dodge Avenger are $1,230 annually including full coverage. Comprehensive insurance costs an estimated $194 each year, collision insurance costs $322, and liability coverage is estimated at $534. Liability-only insurance costs approximately $588 a year, and high-risk driver insurance costs $2,664 or more. Teenage drivers pay the highest rates at up to $4,924 a year.

Average premium for full coverage: $1,230

Price estimates broken down by individual coverage:

Full coverage includes $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and Avenger models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than densely populated cities. The graphic below illustrates how location impacts insurance prices.

The ranges above highlight why all drivers should get quotes for a targeted area and their own personal driving habits, rather than using average rates.

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

More Rate Information

The chart below breaks down average Dodge Avenger insurance rates for other coverage scenarios.

• The best discount rate is $733
• Choosing higher $1,000 deductibles can save approximately $118 every year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,230
• Using low deductibles for comp and collision coverage costs an additional $226 each year
• Drivers who are prone to accidents and violations could pay up to $2,664
• The price with full coverage for a teenage driver can cost as much as $4,924 each year

View Chart as Image

Car insurance prices for a Dodge Avenger are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.

More mature drivers with no driving violations and high physical damage deductibles may only pay around $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged at least $4,900 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers ranges around 43% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $350 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $480 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Dodge Avenger insurance rates. A good driver about age 40 could pay as low as $940 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,760 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 Buy More Affordable Dodge Avenger Insurance

Getting lower rates on auto insurance takes being a low-risk driver, having a good credit score, being claim-free, and possibly higher deductibles. Spend time shopping around every year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The items below are a summary of the coverage data touched on above.

• You may be able to save approximately $140 per year just by quoting online in advance
• Increasing physical damage deductibles could save up to $350 each year
• Teen drivers have the highest car insurance prices, possibly costing $410 a month if comprehensive and collision insurance is included
• Drivers who have multiple accidents or major violations could be forced to pay on average $1,430 more annually to insure their Avenger

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.