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Dodge Charger Car Insurance Cost

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Looking for a new or used Dodge Charger? And wondering how much it costs to insure by year? We researched average annual car insurance costs for each model year and have compiled the results for you below.

Dodge Charger insurance facts

  • Average full coverage auto insurance premium: $181/month

  • Most affordable companies: Allied ($113/month) & GEICO ($119/month)

  • Charger car insurance cost vs. average rates: $19 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Dodge Charger by model year and auto insurer.

Make sure to comparison shop before making a new car purchase to save money. 

Below average Dodge Charger insurer costs by state:

How much does it cost to insure my Dodge Charger?

Select the year of your car:

2021 Dodge Charger

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Average Cost to Insure Per Year

$2,182

List Price

$30,245

Trims Available

SXT - SXT Plus - Police - GT - R/T - GT Plus - Daytona - R/T Scat Pack - Daytona 392 - SRT 392 - SRT Hellcat - With driver assist technologies: Launch Control, Launch Assist, Electric Power Steering, Brake Assist, Electronic Brake-Force Distribution, All-Speed Traction Control, Electronic Stability Control, and Hill-Start Assist, Adaptive Damping Suspension customization with settings for Sport, Track, and Auto

2020 Dodge Charger

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Average Cost to Insure Per Year

$2,140

List Price

$29,995

Trims Available

SXT - SXT Plus - Police - GT - R/T - GT Plus - Daytona - R/T Scat Pack - Daytona 392 - SRT 392 - SRT Hellcat - With driver assist technologies: Launch Control, Launch Assist, Electric Power Steering, Brake Assist, Electronic Brake-Force Distribution, All-Speed Traction Control, Electronic Stability Control, and Hill-Start Assist, Adaptive Damping Suspension customization with settings for Sport, Track, and Auto – with safety features: Adaptive Cruise Control, Forward Collision Warning, Ready Alert Braking, Rain Brake Support, the ParkView rear backup camera, and the ParkSense rear park assist system with standard safety features: 6 Airbags, 4-Wheel ABS, 4-Wheel Disc Brakes, Brake Assist, Electronic Stability Control, Traction Control, Blind Spot Monitor

2019 Dodge Charger

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Average Cost to Insure Per Year

$2,058

List Price

$29,470

Trims Available

SXT - SXT Plus - Police - GT - R/T - GT Plus - Daytona - R/T Scat Pack - Daytona 392 - SRT 392 - SRT Hellcat - With driver assist technologies: Launch Control, Launch Assist, Electric Power Steering, Brake Assist, Electronic Brake-Force Distribution, All-Speed Traction Control, Electronic Stability Control, and Hill-Start Assist, Adaptive Damping Suspension customization with settings for Sport, Track, and Auto

2018 Dodge Charger

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Average Cost to Insure Per Year

$1,871

List Price

$28,995

Trims Available

SXT - SXT Plus - Police - GT - R/T - GT Plus - Daytona - R/T Scat Pack - Daytona 392 - SRT 392 - SRT Hellcat

2017 Dodge Charger

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Average Cost to Insure Per Year

$1,675

List Price

$27,995

Trims Available

SE - SXT - Police - R/T - Daytona - R/T Scat Pack - Daytona 392 - SRT 392 - SRT Hellcat

2016 Dodge Charger

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Average Cost to Insure Per Year

$1,669

List Price

$27,995

Trims Available

SE - SXT - Police - R/T - R/T Road and Track - R/T Scat Pack - SRT 392 - SRT Hellcat

2015 Dodge Charger

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Average Cost to Insure Per Year

$1,476

List Price

$27,995

Trims Available

V6 - SE - SXT - Police - R/T - R/T Road and Track - R/T Scat Pack - SRT 392 - SRT Hellcat

2014 Dodge Charger

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Average Cost to Insure Per Year

$1,241

List Price

$26,995

Trims Available

SE - SXT - V6 - Police - R/T - SXT Plus - R/T Plus - SXT 100th Anniversary - R/T 100th Anniversary - R/T Road and Track - R/T Max - SRT8 Super Bee - SRT8

2013 Dodge Charger

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Average Cost to Insure Per Year

$1,194

List Price

$26,295

Trims Available

SE - SXT - Police - R/T - SXT Plus - R/T Plus - R/T Road and Track - R/T Max - SRT8 Super Bee - SRT8

2012 Dodge Charger

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Average Cost to Insure Per Year

$1,158

List Price

$25,595

Trims Available

SE - Police - R/T - SXT - R/T Plus - SXT Plus - R/T Road and Track - R/T Max - SRT8 Super Bee - SRT8

2011 Dodge Charger

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Average Cost to Insure Per Year

$1,172

List Price

$25,395

Trims Available

SE - Rallye - Police - Rallye Plus - R/T - R/T Plus - R/T Road and Track - R/T Max - MOPAR 11

Risk factors affecting Dodge Charger car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car's value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Dodge Charger car insurance coverage?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Dodge models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Dodge Automobile Brand

Dodge is an American brand of automobiles specializing in performance sports cars. The large diversified target market of Dodge includes middle-income customers that demand high-end design, sporty vehicle that's affordable. All Dodge automobiles have high safety ratings, with many of their cars getting "Top Safety Pick" and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Dodge Grand Caravan, Durango, and Charger are some of their most popular vehicles.

Higher than average Charger repair costs equal higher coverage rates

Many consumers are attracted to Dodge's high-end features, powerful engines, and driver-assist technologies, like Dodge's Blind Spot Monitoring. Original Equipment Manufacturer (OEM) automotive parts are common but more expensive than popular vehicles, like the ToyotaHonda, or Subaru. Repairing a Dodge is above average since repair parts are more costly than average. For this reason, many Dodge's are going to have higher than average car insurance rates to similar cars in their class.

Rapid depreciation for Charger affecting auto policies

Another factor to consider for Dodge is rapid depreciation, affecting auto insurance rates. As your vehicle's value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Dodge models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn't fully cover your repair cost.

High IIHS and NHTSA safety ratings lower car insurance rates for drivers

Dodge's are known for their safety ratings, safety features, 5-star crash test ratings, driver-assist technologies such a forward collision warning with active braking technology, and lower auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features for Dodge models. The Dodge Ram is the Insurance Institute for Highway Safety (IIHS) "Top Safety Pick," and the NHTSA consistently gives Dodge automobiles top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Dodge automobile owners when buying a car insurance policy.

Make sure to shop around with multiple car insurance carriers before making a new car purchase.

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