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Dodge Dart Car Insurance: Average Cost, Coverage Options, and How to Save
The Dodge Dart was a stylish, sporty compact sedan that Dodge produced from 2013 through 2016. Even though it was discontinued nearly a decade ago, thousands of Darts are still on the road across the United States. If you own one or plan to buy a used Dart, understanding what you will pay for car insurance is an important part of your budget.
The good news for Dart owners is that this vehicle is generally affordable to insure. Its compact size, moderate engine options, and decent safety ratings make it a lower-risk vehicle in the eyes of most insurance companies. But as with any car, the amount you actually pay depends on your age, driving record, location, and the coverage you choose.
In this guide, we cover everything you need to know about Dodge Dart car insurance. From average costs and coverage types to practical ways to reduce your premium, this page has the information you need to make a smart decision about protecting your Dart.
How Much Does Dodge Dart Car Insurance Cost?
On average, full coverage car insurance for a Dodge Dart costs between $1,400 and $2,000 per year, depending on the data source, model year, and driver profile. That works out to roughly $115 to $170 per month. State minimum liability coverage is significantly cheaper, averaging between $50 and $100 per month in most states.
Compared to many other compact sedans, the Dart falls in a moderate range. Some sources show it costing slightly more than competitors like the Honda Civic or Toyota Corolla, which is partly attributed to higher repair costs on certain Dart components. However, compared to larger Dodge models like the Charger or Challenger, the Dart is dramatically cheaper to insure.
Average Annual Dodge Dart Insurance Cost by Coverage Level
| Coverage Type | Annual Cost (Approx.) | Monthly Cost (Approx.) |
|---|---|---|
| State Minimum Liability | $600 to $1,200 | $50 to $100 |
| Full Coverage (100/300/100) | $1,400 to $2,000 | $115 to $170 |
| Liability Only (Higher Limits) | $800 to $1,400 | $67 to $117 |
Note: Based on a 35 to 45 year old driver with a clean record and good credit. Your actual premium may vary.
Dodge Dart Insurance Cost by Model Year
The Dodge Dart was produced for only four model years: 2013, 2014, 2015, and 2016. Since all Darts are now at least nine years old, their market values have declined significantly, which helps keep insurance costs down. However, there are differences between model years.
| Model Year | Est. Annual Full Coverage | Key Notes |
|---|---|---|
| 2013 Dodge Dart | $1,400 to $1,700 | First year; most reliability concerns |
| 2014 Dodge Dart | $1,400 to $1,750 | Engine stall complaints noted |
| 2015 Dodge Dart | $1,450 to $1,800 | Improved from earlier years |
| 2016 Dodge Dart | $1,500 to $2,000 | Final year; best reliability of the four |
The 2016 model tends to cost slightly more to insure because it has a higher residual market value compared to earlier years. The 2013 model is typically the cheapest to insure but may have higher maintenance and reliability concerns that could lead to more frequent claims.
What Factors Affect Dodge Dart Insurance Rates?
Several factors influence how much you pay to insure your Dart:
Your Age and Driving Experience
Younger drivers pay significantly more than experienced drivers. A 20 year old male insuring a 2016 Dart can expect to pay roughly $3,500 to $4,000 per year for full coverage, while a 40 year old with the same clean record might pay around $1,600 to $1,800.
Your Driving Record
A clean driving history is the most powerful tool for keeping your rate low. One at-fault accident can increase your Dart insurance by 30% to 50%. A DUI conviction can more than double your premium. Traffic tickets, speeding violations, and claims history all factor in.
Where You Live
Your state and ZIP code matter enormously. Michigan drivers typically pay the most for auto insurance because of the state’s unique no-fault system. States like Louisiana and Florida also tend to have higher than average rates. Meanwhile, states like Maine, Idaho, and Vermont have some of the lowest average premiums in the country.
Your Credit Score
In most states, insurance companies use a credit-based insurance score when setting your rate. Drivers with good or excellent credit tend to pay substantially less than those with poor credit. California, Hawaii, Massachusetts, and Michigan limit or prohibit this practice.
The Trim Level You Drive
The Dodge Dart was available in several trims: SE, SXT, Aero, GT, and Limited. The base SE is the cheapest to insure, with an average annual cost around $1,500 for full coverage. The GT and Limited trims cost more because they have higher values, more powerful engines, and sport-oriented features that some insurers view as higher risk.
Your Coverage and Deductible Choices
Choosing higher liability limits, lower deductibles, and adding optional coverages raises your premium. Raising your deductible from $500 to $1,000 can cut your premium by 10% to 15%. Since the Dart’s market value is relatively low now, some owners opt for higher deductibles to save money.
What Insurance Coverage Does Your Dodge Dart Need?
Since every Dart on the road is now a used vehicle, your coverage needs may look different than someone buying a brand new car. Here is a breakdown of the main coverage types:
Liability Insurance (Required)
Liability pays for injuries and property damage you cause to others in an at-fault accident. Every state except New Hampshire requires it. Minimum limits vary by state, but most insurance professionals recommend at least 100/300/100 for proper financial protection, even on an older vehicle like the Dart.
Collision Coverage
Collision pays to repair or replace your Dart after an accident. Since most Darts are now worth between $5,000 and $12,000, you will want to weigh the cost of collision coverage against the vehicle’s value. If your annual collision premium approaches 10% or more of your Dart’s market value, it may make sense to drop it.
Comprehensive Coverage
Comprehensive covers theft, vandalism, hailstorms, flooding, animal strikes, and other non-collision events. This is generally inexpensive on a Dart and provides good peace of mind, especially if you live in an area prone to severe weather or vehicle theft.
Uninsured and Underinsured Motorist Coverage
Roughly 14% of American drivers carry no insurance. If one of them hits your Dart, this coverage pays your medical bills and repair costs. It is especially important in states with high uninsured driver rates like Florida, Mississippi, and New Mexico.
Optional Coverages to Consider
- Rental Reimbursement: Pays for a rental car while your Dart is being repaired. If you depend on your car for daily commuting, this inexpensive add-on is well worth it.
- Roadside Assistance: Covers towing, flat tires, lockouts, and jump starts. For an older vehicle like the Dart, this can be especially valuable.
- Medical Payments / Personal Injury Protection (PIP): Pays for your medical expenses after an accident regardless of fault. PIP is required in no-fault states like Florida, Michigan, and New York.
Note: Gap insurance is typically not needed for a Dodge Dart at this point, since most Darts have depreciated to the point where the vehicle’s market value is likely lower than any outstanding loan balance.
Dodge Dart Safety Ratings and Their Effect on Insurance
The Dodge Dart earned a 5-star overall safety rating from the National Highway Traffic Safety Administration (NHTSA), which is the highest possible score. The IIHS also named it a Top Safety Pick in its initial evaluation. These strong ratings help keep insurance premiums lower because insurers view the Dart as a relatively safe vehicle to operate.
Standard safety features across Dart trims include:
- Ten standard airbags (frontal, side, curtain, and knee)
- Electronic Stability Control
- Anti-lock Braking System (ABS)
- Traction Control
- Tire Pressure Monitoring System
- Hill Start Assist
- Available rear backup camera (standard on higher trims)
It is worth noting that the Dart does not include modern advanced driver-assistance features like automatic emergency braking, blind spot monitoring, or lane departure warning. These features were not standard in the compact car segment during the Dart’s production years (2013 to 2016). As a result, the Dart may not qualify for the advanced safety technology discounts that newer vehicles receive.
Which Insurance Companies Offer the Cheapest Dodge Dart Rates?
Rates can vary widely from one company to the next. Based on industry data, here are some of the most consistently affordable options for Dart owners:
| Insurance Company | Est. Monthly Full Coverage | Best For |
|---|---|---|
| USAA | $85 to $110 | Military families |
| Erie Insurance | $90 to $120 | Midwest and East Coast drivers |
| GEICO | $100 to $130 | Clean record drivers |
| State Farm | $105 to $135 | Bundling discounts |
| Progressive | $110 to $145 | High-risk or young drivers |
| Nationwide | $115 to $150 | Multi-policy savings |
USAA consistently offers the lowest rates but is limited to military members, veterans, and their families. For everyone else, Erie Insurance (where available) and GEICO tend to offer very competitive pricing on compact sedans like the Dart.
The most important takeaway is that shopping around makes a big difference. The cheapest insurer for one driver may not be the cheapest for another. Always compare personalized quotes from at least three to five companies.
Dodge Dart Insurance Cost by State
Your location is one of the most powerful pricing factors. Here are estimated annual full coverage costs for the Dart in select states:
| State | Est. Annual Full Coverage | Key Factor |
|---|---|---|
| Michigan | $2,800 to $4,000 | No-fault, high PIP costs |
| Louisiana | $2,200 to $3,000 | High litigation rates |
| Florida | $2,000 to $2,800 | High uninsured rate, PIP |
| New York | $2,100 to $2,900 | Dense traffic, no-fault |
| Texas | $1,600 to $2,200 | Severe weather, large state |
| California | $1,500 to $2,100 | High traffic, no credit factor |
| Ohio | $1,100 to $1,500 | Lower cost of living |
| Idaho | $900 to $1,200 | Rural, low crime |
| Maine | $850 to $1,150 | Low population, low theft |
Even within a single state, urban drivers pay more than rural drivers. If you live in a large metro area with heavy traffic and higher crime rates, expect your Dart insurance to cost more than the state average.
10 Practical Ways to Save on Dodge Dart Car Insurance
Since the Dart is already an affordable car to insure, stacking savings strategies can bring your premium to a very manageable level. Here are proven approaches:
- Shop Around and Compare Quotes. This is the single most effective way to save. Rates for the exact same driver and vehicle can differ by hundreds of dollars between companies.
- Bundle Auto with Home or Renters Insurance. Multi-policy discounts of 5% to 25% are common and can save you $100 to $300 per year on your Dart policy.
- Maintain a Clean Driving Record. Three or more violation-free years will qualify you for safe driver discounts with most carriers.
- Raise Your Deductible. Moving from $500 to $1,000 lowers your premium by about 10% to 15%. On a lower-value vehicle like the Dart, this trade-off often makes good financial sense.
- Consider Dropping Collision Coverage. If your Dart is worth $5,000 or less and you own it outright, the cost of collision coverage may exceed the potential payout. Run the numbers before deciding.
- Take a Defensive Driving Course. Many states allow insurers to offer a 5% to 10% discount for completing an approved course. Some courses are available online.
- Ask About Low-Mileage Discounts. If you drive fewer than 10,000 miles per year, you may qualify for a reduced rate. Some companies also offer pay-per-mile programs.
- Improve Your Credit Score. In states where credit is a factor, raising your score from fair to good can lower your premium by 15% to 30% over time.
- Pay Your Premium in Full. Avoiding monthly installment fees saves $50 to $150 per year.
- Ask About Every Discount. Many drivers miss out on savings for things like paperless billing, autopay enrollment, being a homeowner, or having anti-theft features on their vehicle. Ask your agent for a full list of available discounts.
How Does Dodge Dart Insurance Compare to Similar Cars?
If you are cross-shopping the Dart with other used compact sedans, insurance cost is a factor worth considering. Here is how the Dart stacks up:
| Vehicle | Est. Annual Full Coverage | Relative to Dart |
|---|---|---|
| Dodge Dart | $1,400 to $2,000 | Baseline |
| Honda Civic (2013-2016) | $1,200 to $1,600 | Lower |
| Toyota Corolla (2013-2016) | $1,150 to $1,550 | Lower |
| Nissan Sentra (2013-2016) | $1,200 to $1,650 | Lower |
| Hyundai Elantra (2013-2016) | $1,300 to $1,750 | Slightly Lower |
| Chevrolet Cruze (2013-2016) | $1,350 to $1,800 | Similar |
| Ford Focus (2013-2016) | $1,300 to $1,750 | Slightly Lower |
The Dart tends to cost slightly more to insure than its Japanese competitors like the Civic and Corolla. This is partly because Dodge parts and repair costs can be higher, and the Dart’s shorter production run means fewer vehicles on the road and a smaller parts ecosystem. However, the difference is modest, and shopping around for the best rate can easily close the gap.
Insuring a Discontinued Car: What Dodge Dart Owners Should Know
Since the Dodge Dart was discontinued after 2016, there are a few unique considerations for owners:
Parts Availability: Dodge Dart parts are still widely available through dealerships, aftermarket suppliers, and salvage yards. However, certain specialized components may become harder to find over time, which could affect repair costs and insurance claims.
Declining Market Value: As the Dart continues to depreciate, your collision and comprehensive premiums should gradually decrease. Review your coverage annually and adjust as the vehicle’s value drops.
No New Safety Technology: Unlike newer vehicles that receive ongoing safety updates, the Dart’s safety features are fixed at 2013 to 2016 levels. This means you will not qualify for advanced driver-assistance discounts that newer cars receive. However, the Dart’s 5-star NHTSA rating still works in your favor.
Reliability Considerations: Some Dart model years (particularly 2013 and 2014) had known issues with transmissions and engine stalling. If your insurer offers mechanical breakdown coverage, it may be worth considering as an alternative to an extended warranty.
Frequently Asked Questions About Dodge Dart Car Insurance
Yes, the Dodge Dart is generally affordable to insure compared to the overall vehicle market. Full coverage averages between $1,400 and $2,000 per year for a driver with a clean record, which is below the national average for all vehicles. The Dart costs less to insure than typical sedans and significantly less than larger Dodge models like the Charger or Challenger. However, it does tend to cost slightly more to insure than similar-year Honda Civics or Toyota Corollas.
It depends on your situation. If you are financing your Dart, your lender will require full coverage. If you own it outright and it is worth $5,000 or less, you may save money by dropping collision coverage and keeping only liability and comprehensive. Run the numbers: if your annual collision premium is close to 10% or more of your Dart's current market value, the coverage may not be cost-effective.
Teen drivers face the highest insurance rates regardless of the vehicle. For a Dodge Dart, a teenager on their own policy can expect to pay roughly $3,500 to $5,000 per year for full coverage. The most affordable approach is to add the teen to a parent's existing policy, maintain a B average for a good student discount, and complete a driver education course.
Dodge discontinued the Dart after 2016 because of declining sales in the compact sedan segment. American consumers shifted heavily toward SUVs and trucks during this period, and Fiat Chrysler (now Stellantis) chose to focus resources on its more profitable Jeep and Ram brands. The Dart's domestic competitors, the Chevrolet Cruze and Ford Focus, were also eventually discontinued for similar reasons.
Yes. The Dart earned a 5-star overall rating from NHTSA, which is the highest score. The IIHS also gave it a Top Safety Pick designation. These ratings signal to insurers that the Dart offers strong occupant protection, which helps keep premiums lower. However, the Dart lacks modern advanced safety features like automatic emergency braking, which means it does not qualify for some of the newer technology-based discounts.
The cheapest insurer depends on your personal profile. USAA consistently offers the lowest rates but is available only to military families. For the general public, Erie Insurance (where available), GEICO, and State Farm frequently offer competitive pricing on the Dart. The only way to find the cheapest rate for your specific situation is to compare personalized quotes from multiple companies.
Find the Best Rate for Your Dodge Dart Today
Insuring a Dodge Dart does not have to be complicated or expensive. With the right coverage and a few minutes spent comparing quotes, you can protect your vehicle without stretching your budget.
At AtoZInsuranceUSA, we help drivers compare personalized quotes from multiple trusted insurance carriers. Whether you drive a 2016 GT with all the extras or a practical 2013 SE, getting a quote takes just a few minutes. There is no obligation, no pressure, and our team is here to answer any questions along the way.
Get your free Dodge Dart insurance quote today and see how much you could save on your coverage.
Disclaimer: The information on this page is provided for general educational purposes and does not constitute insurance advice. Rates, coverage options, and availability vary by state, insurer, and individual circumstances. Cost estimates are based on publicly available industry data from multiple sources as of early 2026 and may not reflect your actual premium. The Dodge Dart was discontinued after the 2016 model year. Always consult a licensed insurance agent or carrier for quotes specific to your situation. AtoZ Insurance USA is not responsible for the accuracy of third-party data referenced on this page.