Car Insurance Quotes for a Dodge Dart

The average annual premium for a Dodge Dart auto policy is $1,686 for full and $1,188 for minimum coverage.

Out of several options available, two of the more popular ones are liability-only and full coverage.

Do you have any questions about how to structure your policy? If so, Freeway Insurance is ready to step up and provide you with a complimentary, no-obligation consultation to review your cheap car insurance options.

You must carry auto insurance coverage to drive legally and every state has a required liability minimum. The most popular options include liability-only and full coverage.

Full Coverage 

A full coverage policy provides a broader range of coverage than liability only, combining liability, collision, and comprehensive, which helps pay for various scenarios, such as collision-related, as well as non-crash related incidents, such as theft, natural disasters, and vandalism.

Note that this type of policy does not include add-ons such as uninsured/underinsured motorist coverage (except for states where it’s required), medical payments (MedPay) and rental car reimbursement. Adding one or more of these should only marginally impact your premiums by a few dollars every month.

State Minimum Liability 

All states require that you carry the minimum level of liability insurance coverage.

Referred to as state minimum liability, it’s generally expressed using three numbers representing thousands of dollars, e.g., 50/100/50, or the maximum liability a provider agrees to cover for bodily injury per person, bodily injury per accident, and property damage per accident.

For example, Montana drivers must carry a minimum 25/50/20 policy, which means $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $20,000 for property damage per accident.

If you can afford it, opt for full coverage over a state minimum liability policy, as it offers a wider range of first and third-party benefits to protect against a broader range of scenarios.

There are hundreds of variables underwriters look at to determine your risk profile, including vehicle type, coverage/deductibles, and discounts.

Vehicle Type

Every make and model covered under a policy has a risk profile, with calculated premiums based on the repair cost, number of safety features, age, and dozens of other attributes that assign lower or higher premiums relative to other vehicles.

Coverage and Deductibles

The type of coverage, liability limits, and amount of deductibles all factor in how much you pay in insurance. Low liability limits and higher deductibles will result in lower premiums and vice versa with high liability limits and standard deductible policies costing more in monthly payments.

Discounts

If you want to save on auto insurance, we recommend enrolling or opting into discount programs with your provider. Everything from good drivers to multi-policy discounts (bundling) is for the taking, helping you save up to 25% off your monthly premium.

A DUI (Driving Under the Influence) conviction will throw that good driver discount out the window, with plenty of legal and DMV activity to follow.

For starters, expect to pay several penalties from different parties, such as increased premiums and surcharges by your insurer, if they even continue to cover you. You’ll become labeled a high-risk driver, which will likely require your insurer to file an SR-22 on your behalf that lets the state know you’re carrying the minimum required coverage to drive legally.

Expect your rates to remain elevated for a minimum of three years, gradually tapering down the longer you go with a clean driving record free of claims, at-fault accidents, moving violations, and other problematic road scenarios. You may need to shop around for cheap DUI solutions, such as finding an insurer that covers high-risk drivers.

This is a vehicle in the compact sedan segment, discontinued after the 2016 model year.

It is available in five trims: SE, SXT, Aero, GT, and Limited.

Standard features include a four-speaker stereo, cruise control, air conditioning, and 13.1 cubic feet of trunk space. Upgrading to higher-level trims adds dual-zone automatic climate control and a touchscreen display.

Main competitors are the Toyota Corolla, Honda Civic, Chevrolet Cruze, and Nissan Sentra.