Car Insurance Quotes for the Dodge Magnum

The Dodge Magnum is a roomy sport wagon built for real-world versatility—long roof, big cargo area, and confident highway manners. Insuring it protects your budget from surprise costs after a crash or covered event. As a general reference, minimum liability coverage for a Magnum can average about $51 per month, while full coverage can run around $96 per month in sample scenarios—actual rates vary by driver profile, location, limits, and deductibles.

If you’re shopping for cheap car insurance, remember that keeping coverage active and right-sized helps you avoid large out-of-pocket expenses when life doesn’t go to plan. At Freeway Insurance, we shop multiple carriers and stack every discount you qualify for—so you can keep the protection you need, even if you’ve had tickets, a DUI, or other challenges on your record. Our goal is simple: practical coverage, fair price, zero guesswork.

Insuring a vehicle usually comes down to two main types of auto insurance. State minimum liability keeps you legal and helps cover other people’s injuries and property damage when you’re at fault, but it does not repair your own car. Full coverage adds comprehensive and collision insurance, so the same policy that protects others can also help repair or replace your Magnum after a crash or covered events like hail, theft, or vandalism. Let’s compare what each includes, typical costs, and which setup fits your routine.

Full Coverage

Your Magnum can take a hit even when it’s sitting in the driveway—hail, theft, vandalism, or a stray tree limb can all cause costly damage. On the road, anything from a low-speed scrape to a major collision is possible.

Full car insurance combines liability, comprehensive, and collision so you’re protected both for harm you cause to others and for repairs to your own vehicle after a covered circumstance. A complete plan for a Dodge Magnum comes in at about $96per month. Pick deductibles you can comfortably handle; it’s the simplest way to balance month-to-month cost with robust protection.

State Minimum Liability

Before you drive, the law requires minimum liability insurance. This option is typically the lowest upfront price—often around $51 per month for a Magnum—but it won’t pay to fix your car if you’re at fault. It’s meant to cover injuries and property damage you cause to others, and those minimum limits can be modest, running out quickly after a serious wreck. That’s why many drivers raise their liability limits and add targeted extras to close common gaps.

If you want convenience without overspending, add Freeway Auto Club—a premium, budget-friendly 24/7 roadside assistance plan. Your membership can help you save on towing, get a locksmith if the keys are inside, arrange a battery jump, handle a flat-tire change, or deliver fuel when the gauge hits empty—so a bad day stays manageable.

Insurers set your premiums using a blend of personal details, policy choices, and local rules. Here are three factors that affect the final cost of your plan:

Your Credit Score

In many states, insurers may use a credit-based insurance score because it correlates with claim risk, which can raise or lower your rate. However, some states ban using credit in car insurance pricing—California, Hawaii, and Massachusetts—while others limit it in various ways (for example, Maryland, Michigan, Oregon, and Utah impose restrictions on when and how credit can be used). Always check your state’s current rules when comparing rates.

Your State of Residence

Auto insurance is regulated state by state, so prices reflect each state’s rules (minimum limits, no-fault vs. tort systems, required benefits), market conditions, and local risks (hail, theft).

Two identical drivers can see different quotes simply because they live in different places with other regulations and filings. State insurance departments set the ground rules—which is why shopping results can vary so much by ZIP.

Your Marital Status

Many carriers price married drivers slightly lower on average than single, divorced, or widowed drivers, reflecting observed differences in claims. The effect varies by company, but it’s common to see quotes adjust when household status changes—even when other details stay the same.

A DUI typically triggers higher premiums, fewer carrier choices, and may require an SR-22 insurance filing (or state equivalent) to verify financial responsibility. Some providers may non-renew after a DUI, pushing drivers to specialized markets. Maintaining a clean record afterward, completing required programs, and exploring telematics or usage-based options can help move rates back down over time.