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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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 also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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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. 

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Dodge Charger insurer costs by state:

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.

2021 Dodge Charger

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2706
Allied$1367
Allstate$2053
American Family$1784
Country Financial$2316
Erie$1539
GEICO$1457
Kentucky Farm Bureau$2490
Liberty Mutual$1583
Mercury$1879
Nationwide$1486
Progressive$1658
Safeco$2943
Tennessee Farmers$1899
Texas Farm Bureau$1725
The Hanover$2587
Travelers$2243

Compare all 2021 Dodge Charger rates

Average Cost to Insure Per Year

$2182

List Price

$30245

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

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2654
Allied$1350
Allstate$2031
American Family$1736
Country Financial$2263
Erie$1521
GEICO$1416
Kentucky Farm Bureau$2360
Liberty Mutual$1570
Mercury$1946
Nationwide$1442
Progressive$1633
Tennessee Farmers$1879
Texas Farm Bureau$1698
The Hanover$2490
Travelers$2185

Compare all 2020 Dodge Charger rates

Average Cost to Insure Per Year

$2140

List Price

$29995

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

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2594
Allied$1275
Allstate$2026
American Family$1765
Country Financial$2254
Erie$1436
GEICO$1370
Kentucky Farm Bureau$2349
Liberty Mutual$1497
Mercury$1945
Nationwide$1397
Progressive$1579
Tennessee Farmers$1879
Texas Farm Bureau$1660
The Hanover$2486
Travelers$2176

Compare all 2019 Dodge Charger rates

Average Cost to Insure Per Year

$2058

List Price

$29470

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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1881
Acuity$ 1881
Allied$ 1491
Allied$ 1491
American Family$ 1856
American Family$ 1856
Erie$ 1113
Erie$ 1113
Mercury$ 1573
Mercury$ 1573
Nationwide$ 1463
Nationwide$ 1463
Plymouth Rock Insurance$ 1474
Plymouth Rock Insurance$ 1474
Progressive$ 1808
Progressive$ 1808
State Farm$ 1488
State Farm$ 1488
Tennessee Farmers$ 1285
Tennessee Farmers$ 1285
USAA$ 1319
USAA$ 1319
Vermont Mutual$ 1968
Vermont Mutual$ 1968

Compare all 2018 Dodge Charger rates

Average Cost to Insure Per Year

$ 1871

List Price

$ 28995

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

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 1508
Allied$ 1508
American Family$ 1913
American Family$ 1913
Erie$ 1040
Erie$ 1040
GEICO$ 1902
GEICO$ 1902
Mercury$ 1500
Mercury$ 1500
Nationwide$ 1477
Nationwide$ 1477
Plymouth Rock Insurance$ 1442
Plymouth Rock Insurance$ 1442
Progressive$ 1699
Progressive$ 1699
State Farm$ 1373
State Farm$ 1373
Tennessee Farmers$ 1285
Tennessee Farmers$ 1285
Texas Farm Bureau$ 1208
Texas Farm Bureau$ 1208
USAA$ 1141
USAA$ 1141

Compare all 2017 Dodge Charger rates

Average Cost to Insure Per Year

$ 1675

List Price

$ 27995

Trims Available

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

2016 Dodge Charger

Cheapest Insurance CompaniesAverage Annual Cost
Allied$ 1620
Allied$ 1620
American Family$ 1940
American Family$ 1940
Country$ 1938
Country$ 1938
Erie$ 1027
Erie$ 1027
Mercury$ 1459
Mercury$ 1459
Nationwide$ 1582
Nationwide$ 1582
Plymouth Rock Insurance$ 1421
Plymouth Rock Insurance$ 1421
Progressive$ 1694
Progressive$ 1694
State Farm$ 1533
State Farm$ 1533
Tennessee Farmers$ 1090
Tennessee Farmers$ 1090
Texas Farm Bureau$ 1182
Texas Farm Bureau$ 1182
USAA$ 1108
USAA$ 1108

Compare all 2016 Dodge Charger rates

Average Cost to Insure Per Year

$ 1669

List Price

$ 27995

Trims Available

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

2015 Dodge Charger

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1415
Acuity$ 1415
Allied$ 1512
Allied$ 1512
Erie$ 1025
Erie$ 1025
GEICO$ 1257
GEICO$ 1257
Mercury$ 1399
Mercury$ 1399
Nationwide$ 1464
Nationwide$ 1464
Plymouth Rock Insurance$ 1354
Plymouth Rock Insurance$ 1354
State Farm$ 1303
State Farm$ 1303
Tennessee Farmers$ 1307
Tennessee Farmers$ 1307
Texas Farm Bureau$ 1191
Texas Farm Bureau$ 1191
USAA$ 1071
USAA$ 1071
Vermont Mutual$ 1292
Vermont Mutual$ 1292

Compare all 2015 Dodge Charger rates

Average Cost to Insure Per Year

$ 1476

List Price

$ 27995

Trims Available

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

2014 Dodge Charger

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1362
Acuity$ 1362
Erie$ 772
Erie$ 772
GEICO$ 866
GEICO$ 866
Mercury$ 1426
Mercury$ 1426
Nationwide$ 1333
Nationwide$ 1333
Plymouth Rock Insurance$ 1341
Plymouth Rock Insurance$ 1341
Progressive$ 1251
Progressive$ 1251
State Farm$ 1149
State Farm$ 1149
Tennessee Farmers$ 1316
Tennessee Farmers$ 1316
Texas Farm Bureau$ 1043
Texas Farm Bureau$ 1043
USAA$ 894
USAA$ 894
Vermont Mutual$ 1295
Vermont Mutual$ 1295

Compare all 2014 Dodge Charger rates

Average Cost to Insure Per Year

$ 1241

List Price

$ 26995

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

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$ 1372
Allstate$ 1372
American Family$ 1373
American Family$ 1373
Erie$ 754
Erie$ 754
GEICO$ 845
GEICO$ 845
Nationwide$ 1269
Nationwide$ 1269
Plymouth Rock Insurance$ 1303
Plymouth Rock Insurance$ 1303
Progressive$ 1194
Progressive$ 1194
State Farm$ 1103
State Farm$ 1103
Tennessee Farmers$ 1310
Tennessee Farmers$ 1310
Texas Farm Bureau$ 1017
Texas Farm Bureau$ 1017
USAA$ 862
USAA$ 862
Vermont Mutual$ 1263
Vermont Mutual$ 1263

Compare all 2013 Dodge Charger rates

Average Cost to Insure Per Year

$ 1194

List Price

$ 26295

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

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1292
Acuity$ 1292
Allstate$ 1321
Allstate$ 1321
Erie$ 716
Erie$ 716
GEICO$ 839
GEICO$ 839
Nationwide$ 1248
Nationwide$ 1248
Plymouth Rock Insurance$ 1259
Plymouth Rock Insurance$ 1259
Progressive$ 1221
Progressive$ 1221
State Farm$ 1045
State Farm$ 1045
Tennessee Farmers$ 1237
Tennessee Farmers$ 1237
Texas Farm Bureau$ 944
Texas Farm Bureau$ 944
USAA$ 855
USAA$ 855
Vermont Mutual$ 1143
Vermont Mutual$ 1143

Compare all 2012 Dodge Charger rates

Average Cost to Insure Per Year

$ 1158

List Price

$ 25595

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

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$ 1325
Allstate$ 1325
Arbella$ 1219
Arbella$ 1219
Erie$ 635
Erie$ 635
GEICO$ 929
GEICO$ 929
Nationwide$ 1279
Nationwide$ 1279
Plymouth Rock Insurance$ 1236
Plymouth Rock Insurance$ 1236
Progressive$ 1269
Progressive$ 1269
State Farm$ 1201
State Farm$ 1201
Tennessee Farmers$ 1157
Tennessee Farmers$ 1157
Texas Farm Bureau$ 891
Texas Farm Bureau$ 891
USAA$ 920
USAA$ 920
Vermont Mutual$ 1028
Vermont Mutual$ 1028

Compare all 2011 Dodge Charger rates

Average Cost to Insure Per Year

$ 1172

List Price

$ 25395

Trims Available

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