Online Dodge Charger Insurance Rates [Guide + Free Quotes]

Getting Dodge Charger insurance quotes will cost on average $139 per month ($1,668 per year). Mature drivers with good driving records may find rates as low as $980 a year.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 31, 2020

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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

Dodge Charger insurance rates average $1,668 a year or $139 a month for full coverage. Drivers of an older Dodge Charger may opt for liability only coverage which averages $669 a year or $56 a month.

Good drivers can save up to $688 a year in policy discounts by practicing safe driving habits. Let’s take a look at Dodge Charger insurance rates, safety ratings, and more.

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 Audi S3, Toyota Camry, and Chevrolet Impala.

Vehicle Comprehensive Collision Liability Total
Dodge Charger $376 $626 $466 $1,668
Audi S3 $356 $744 $264 $1,474
Toyota Camry $294 $570 $390 $1,412
Chevrolet Impala $280 $532 $372 $1,342
Subaru Legacy $370 $506 $338 $1,350
MINI Hardtop 4 Door $294 $566 $398 $1,416
Kia Optima $322 $532 $420 $1,454
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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 will affect 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 impact on the cost of Dodge Charger auto insurance. For example, 20-year-old drivers pay approximately $2,040 each year for their Dodge Charger auto insurance than 30-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 car insurance with violations on their driving record.

Dodge Charger Safety Ratings

Your Dodge Charger auto insurance rates are tied to 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

Good Dodge Charger crash test ratings mean the VW is safer, which could mean cheaper Dodge Charger car 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

Having a variety of safety features on your Dodge Charger can help lower your insurance costs. According to US News, the 2020 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 between different coverage types. 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 Insurance Cost

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

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Ways to Save on Dodge Charger Insurance

You can save more money on your Dodge Charger auto insurance rates by employing any of the following five strategies.

  • Save Money on Young Driver Dodge Charger Insurance By Mentioning Grades or GPA
  • Renew Your Dodge Charger Insurance Coverage to Avoid Lapses
  • Ask About Student Discounts
  • Reduce Your Coverage on an Older Dodge Charger
  • Choose a Dodge Charger with Cheaper Repair Costs

Top Dodge Charger Insurance Companies

Who is the best 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 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

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

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