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.
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 |
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 |
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 | |
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 | ||||
|---|---|---|---|---|
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 | |
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.
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 | |||
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.