How Much are Dodge Charger Insurance Rates?

Average Dodge Charger car insurance rates cost $1,668 a year, or around $139 a month. Finding Dodge Charger teenager insurance rates can cost on average $6,097 a year, so shop around to find cheap coverage.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 22, 2021

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Key Takeaways:

  • Full coverage costs around $1,668 a year or $139 each month
  • A liability-only policy costs around $669 a year or $56 each month
  • Highest rates are for teenage drivers at around $6,097 a year or $508 each month
  • Good drivers can save as much as $688 a year by earning policy discounts
  • Dodge Charger insurance costs around $149 more per year than the average vehicle

The average Dodge Charger car insurance rates cost drivers $1,668 a year, or around $139 a month for full coverage. If you want to find cheap Dodge Charger rates, all you have to do is know what the right policy should look like. We have compiled this detailed guide to help you on your way to finding the right Dodge Charger insurance rates that match your needs and budget.

You can start comparing quotes for Dodge Charger car insurance rates from some of the best car insurance companies by using our free online tool now.

Dodge Charger Insurance Cost

The average Dodge Charger car insurance rates are $1,668 a year or $139 a month.

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Are Dodge Chargers Expensive to Insure?

The chart below details how Dodge Charger insurance rates compare to other sedans like the Mazda 3, Subaru WRX, and Infiniti Q50.

Vehicle Comprehensive Collision Liability Total
Dodge Charger $376 $626 $466 $1,668
Mazda 3 $308 $562 $372 $1,400
Subaru WRX $320 $566 $338 $1,360
Infiniti Q50 $344 $686 $398 $1,586
Chevrolet Malibu $322 $532 $372 $1,384
Subaru Legacy $370 $506 $338 $1,350
Nissan Altima $306 $570 $390 $1,424
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However, there are a few things you can do to find the cheapest Dodge insurance rates online.

What Impacts the Cost of Dodge Charger Insurance?

The Dodge Charger trim and model you choose can impact the total price you will pay for Dodge Charger car insurance coverage.

Age of the Vehicle

The average Dodge Charger auto insurance rates are higher for newer models. For example, auto insurance for a 2020 Dodge Charger costs $1,668, while 2010 Dodge Charger insurance costs are $1,386, a difference of $282.

Model Year Comprehensive Collision Liability Total
2020 Dodge Charger $376 $626 $466 $1,668
2019 Dodge Charger $358 $600 $488 $1,646
2018 Dodge Charger $344 $596 $498 $1,638
2017 Dodge Charger $332 $582 $520 $1,634
2016 Dodge Charger $320 $558 $536 $1,614
2015 Dodge Charger $304 $538 $554 $1,596
2014 Dodge Charger $292 $500 $564 $1,556
2013 Dodge Charger $280 $470 $570 $1,520
2012 Dodge Charger $268 $422 $574 $1,464
2011 Dodge Charger $250 $388 $574 $1,412
2010 Dodge Charger $242 $364 $580 $1,386
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Driver Age

Driver age can have a significant impact on Dodge Charger auto insurance rates. As an example, a 40-year-old driver could pay $176 less each month for their Dodge Charger auto insurance compared to a 20-year-old driver.

Driver Location

Where you live can have a large impact on Dodge Charger insurance rates. For example, drivers in Los Angeles may pay $617 a year more than drivers in Philadelphia.

Your Driving Record

Your driving record can have an impact on the cost of Dodge Charger auto insurance. Teens and drivers in their 20’s see the highest jump in their Dodge Charger auto insurance rates with violations on their driving record.

Dodge Charger Safety Ratings

Your Dodge Charger auto insurance rates are influenced by the Dodge Charger’s safety ratings. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Marginal
Small overlap front: passenger-side Not Tested
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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Dodge Charger Crash Test Ratings

Not only do good Dodge Charger crash test ratings mean you are better protected in a crash, but good crash ratings also mean cheaper Dodge Charger auto insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2020 Dodge Charger SRT 4 DR RWD N/R N/R N/R N/R
2020 Dodge Charger Pursuit 4 DR RWD N/R N/R N/R N/R
2020 Dodge Charger Pursuit 4 DR AWD N/R N/R N/R N/R
2020 Dodge Charger 4 DR RWD 5 stars 4 stars 5 stars 5 stars
2020 Dodge Charger 4 DR AWD 5 stars 4 stars 5 stars 5 stars
2019 Dodge Charger SRT 4 DR RWD N/R N/R N/R N/R
2019 Dodge Charger Pursuit 4 DR RWD N/R N/R N/R N/R
2019 Dodge Charger Pursuit 4 DR AWD N/R N/R N/R N/R
2019 Dodge Charger 4 DR RWD 5 stars 4 stars 5 stars 5 stars
2019 Dodge Charger 4 DR AWD 5 stars 4 stars 5 stars 5 stars
2018 Dodge Charger SRT 4 DR RWD N/R N/R N/R N/R
2018 Dodge Charger Pursuit 4 DR RWD N/R N/R N/R N/R
2018 Dodge Charger Pursuit 4 DR AWD N/R N/R N/R N/R
2018 Dodge Charger 4 DR RWD 5 stars 4 stars 5 stars 5 stars
2018 Dodge Charger 4 DR AWD 5 stars 4 stars 5 stars 5 stars
2017 Dodge Charger SRT 4 DR RWD N/R N/R N/R N/R
2017 Dodge Charger 4 DR RWD 5 stars 4 stars 5 stars 5 stars
2017 Dodge Charger 4 DR AWD 5 stars 4 stars 5 stars 5 stars
2016 Dodge Charger SRT 4 DR RWD N/R N/R N/R N/R
2016 Dodge Charger 4 DR RWD 5 stars 4 stars 5 stars 5 stars
2016 Dodge Charger 4 DR AWD 5 stars 4 stars 5 stars 5 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Dodge Charger Safety Features

The more safety features you have on your Dodge Charger, the more likely it is that you can earn a discount. The Dodge Charger’s safety features include:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Traction Control
  • Blind Spot Monitor
  • Lane Departure Warning
  • Lane Keeping Assist
  • Cross-Traffic Alert

Dodge Charger Insurance Loss Probability

The Dodge Charger’s insurance loss probability varies for each form of coverage. The lower percentage means lower Dodge Charger auto insurance rates; higher percentages mean higher Dodge Charger car insurance rates.

Insurance Coverage Category Loss Rate
Collision 48%
Property Damage 42%
Comprehensive 60%
Personal Injury 76%
Medical Payment 78%
Bodily Injury 59%
Source: Insurance Institute for Highway Safety
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Dodge Charger Finance and Insurance Cost

If you are financing a Dodge Charger, you will pay more if you purchase Dodge Charger car insurance at the dealership, so be sure to shop around and compare Dodge Charger car insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Dodge Charger Insurance

You have more options at your disposal to save money on your Dodge Charger auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Dodge Charger car insurance rates

  • Remove Young Drivers from Your Dodge Charger Insurance When They Move Out or Go to School
  • Ask for a New Dodge Charger Auto Insurance Rate Based on Your Improved Credit Score
  • Spy on Your Teen Driver
  • Reduce Your Coverage on an Older Dodge Charger
  • Re-Check Dodge Charger Quotes Every 6 Months

Top Dodge Charger Insurance Companies

Who is the top auto insurance company for Dodge Charger insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Dodge Charger auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Dodge Charger offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Dodge Charger Insurance Quotes Online

To start comparing Dodge Charger car insurance quotes for free, use our online car insurance comparison tool.

How much is insurance for a dodge charger? We are here to help you find Dodge Charger insurance rates. On average it is $173 a month, but many factors can change this. The first thing you as a policyholder should focus on is making sure that you have enough insurance to cover your car.

Liability insurance is the first type of coverage for a new policyholder to find. This type of insurance will provide coverage to you if you cause an accident.

Collision and comprehensive coverage is the next type of insurance to have.

  • Collision – protects against any accident involving a collision with another car or object
  • Comprehensive – covers the car if it is damaged by other things like fire, vandalism, or weather

Even if you have adequate health insurance, you should still invest in car insurance that covers medical expenses. There are two types of coverage that do this  medical payments coverage and personal injury protection (PIP) coverage.

Some states actually make PIP coverage mandatory. To find out if your state does too, you can go to your state’s official insurance site.

Not everyone makes car insurance the priority it should be; therefore, uninsured and underinsured motorist coverage should not be looked at as optional coverage.

If you are in an accident with someone who is at fault but does not have enough car insurance to cover all of your damages, you would have to pay for the rest. If you have underinsured motorist coverage it would cover that unexpected cost.

Uninsured/underinsured motorist coverage also protects you in the case of a hit-and-run accident.

While the majority of states make it illegal drive without car insurance, some people still choose not to buy any.

Make sure to compare three to four policies for your Dodge Charger. Just enter your zip code above to get started!

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When to Expect Different Rates

Take a look at the factors that will determine your Charger insurance rates.

If you live in a more rural area with fewer cars on the roads and less likelihood of theft and vandalism, you will find that your car insurance rates will be lower.

If a driver is under the age of 25, the rates will be significantly higher. Young drivers are more at risk of being involved in serious car accidents, especially males.

Generally, newer vehicles are more expensive to insure than older ones. If you have a 2010 Dodge Charger, you can expect your 2010 Dodge Charger insurance to be higher than a year older than 2010.

If your vehicle is used for a higher than usual number of miles annually, you will find that car insurance rates are higher.

If your driving record is not very good, your premiums may be more expensive. One accident or infraction may or may not affect the cost of your insurance, depending on the insurer.

If you have more serious issues with your driving record such as DUI convictions, reckless driving charges or you have lost your license in recent years, you will find that car insurance will be more costly than the average.

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How to Lower the Cost of Car Insurance

There are many different ways to save on the cost of car insurance for a Dodge Charger or other vehicle.

One of the simplest ways is to make sure you have all the discounts that you are eligible for. Typically you can get discounts for a variety of things.

Discounts are available to members of certain groups. If you bundle your home and car insurance with the same company, you will also get a discount.

You can adjust the comprehensive and collision coverage on your Charger to save money. By raising your deductibles on these types of coverage, you will lower the cost of your annual car insurance.

If your vehicle is not financed, you may elect to not carry collision and comprehensive insurance.

If the car’s value has dropped to a point where it is not worth much more than the deductible, it is definitely time to remove the coverage.

Paying for your car insurance up front you can often earn yourself a break on the cost with certain insurers. Check to be sure the company you have your policy with does indeed offer this price break.

Choosing Car Insurance Properly

If you want to know exactly how much it will cost for you to insure a Dodge Charger, the best thing to do is simply get a car insurance quote.

An online quote tool can provide you with multiple insurance quotes at once, so you can easily compare and contrast the different prices out there.

Get started now with our free online car insurance comparison tool to find the best price possible for your Dodge Charger!

References:

  1. https://www.dodge.com/en/charger/
  2. https://www.investopedia.com/terms/l/liability_insurance.asp
  3. https://www.naic.org/state_web_map.htm
  4. https://www.edmunds.com/auto-insurance/personal-factors-that-affect-insurance-rates.html
  5. https://wallethub.com/edu/comprehensive-vs-collision/10023/

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