How to Find Cheap Dodge Charger Insurance Quotes

Dodge Charger auto insurance rates are $1,668 a year, or around $139 a month on average. Mature drivers with good driving records may find auto insurance rates as low as $980 a year. Other factors that influence auto insurance rates are gender, credit score, ZIP code, cost of the car, and others. Generally, young males have the highest auto insurance rates across all demographics.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 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
  • The 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 Dodge Charger is a popular model, which means Dodge Charger insurance rates are $149 more expensive than the average vehicle. For newer models, you can pay up to $139 per month on full coverage Dodge Charger insurance rates.

If you want to jump right in and start looking for auto insurance quotes, you can enter your ZIP code into our FREE online quote comparison tool to see the best auto insurance rates for you and your area.

If you’re searching for better rates for your Dodge Charger or are thinking of buying one but a high auto insurance rate is holding you back, you can always check out our page comparing the best 2021 auto insurance companies.

On that page, you’ll find comparisons of the top auto insurance companies by market share, average auto insurance rates, and financial strength ratings, among other factors.

Now, let’s get started.

Dodge Charger Auto Insurance Cost

The average Dodge Charger auto insurance costs 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 Audi S4, Toyota Avalon, and Nissan Maxima.

Vehicle Comprehensive Collision Liability Total
Dodge Charger $376 $626 $466 $1,668
Audi S4 $370 $744 $338 $1,588
Toyota Avalon $320 $536 $338 $1,330
Nissan Maxima $372 $630 $390 $1,550
Ford Fusion $336 $626 $372 $1,492
Toyota Camry $294 $570 $390 $1,412
Chrysler 300 $332 $626 $398 $1,514
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However, there are a few things you can do to find the cheapest Dodge insurance rates online. It’s also helpful to know that auto insurance rates for Dodge Chargers depend, in part, on the state or area where you live.

For instance, if you live in one of the best states for classic car owners, your rates may be lower than if you were to live in a state that was considered one of the worst for classic car owners, for instance.

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 insurance coverage.

Age of the Vehicle

Older Dodge Charger models generally cost less to insure. For example, auto insurance rates for a 2020 Dodge Charger are $1,668, while 2010 Dodge Charger rates 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 effect on the cost of Dodge Charger auto insurance. For example, 30-year-old drivers pay approximately $73 more for their Dodge Charger auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Dodge Charger insurance rates. For example, drivers in Los Angeles may pay $238 a year more than drivers in Houston.

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

The Dodge Charger’s safety ratings will affect your Dodge Charger auto insurance rates. See the chart 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

The crash test ratings of the Dodge Charger can impact your 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

Dodge Charger safety features can lower the cost of your insurance. The safety features for the 2020 Dodge Charger 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

Review the Dodge Charger auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury. The lower percentage means lower Dodge Charger auto insurance costs; higher percentages mean higher Dodge Charger auto insurance costs.

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 Auto Insurance Cost

If you are financing a Dodge Charger, most lenders will require your carry higher Dodge Charger coverage options including comprehensive coverage, so be sure to shop around and compare Dodge Charger auto insurance rates from the best companies using our FREE tool below.

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5 Ways to Save on Dodge Charger Auto Insurance

Drivers can end up saving more money on their Dodge Charger auto insurance rates by employing any one of the following strategies.

  • Carpool to Work Instead of Driving Your Dodge Charger
  • Ask About Discounts for People with Disabilities
  • Tell Your Insurer How You Use Your Dodge Charger
  • Drive Your Dodge Charger Safely
  • Ask for a Dodge Charger Discount If You Have College Degree or Higher

Top Dodge Charger Auto 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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