Dodge Charger Insurance Cost for 2022 [Best Rates + Comparisons]

The Dodge Charger sports car is very popular in America and is considered one of the most iconic sports cars. The 2019 Dodge Charger SXT will cost $4,792 per year to insure. That’s approximately $399 per month. State Farm is the cheapest insurer for this luxury car. A 2019 Dodge Charger SXT’s market value will be around $21,284.

We looked at the average auto insurance rate for Dodge Chargers and those of its competitors. It’s important that you compare insurance quotes from multiple insurance companies to get the best rate for your Dodge Charger.

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Dodge Charger insurance facts

The Dodge Charger insurance costs are generally more than those of other four-door sedans and muscle cars. You can lower your Dodger’s insurance costs by selecting the right trim level and avoiding super-powerful engines.

  • Average auto insurance cost: $184/month
  • Allied is the most affordable insurance company (from $65, per month)
  • Average vehicle insurance rate vs. Charger Insurance Rate: $55 more costly than the average vehicle

This page contains data that will help you find Dodge Charger auto insurance rates from the best car insurance companies. Use The Zebra to quickly obtain an auto insurance quote.

State Farm is the cheapest insurance company for Dodge Chargers

State Farm was the Dodge Charger’s most affordable major insurer. State Farm was $2,736 less than Allstate for the Dodge Charger 2019. Allstate is the largest large insurance for the Charger.

Progressive is the second-cheapest insurance company, with a monthly cost of $65 less to insure the Dodge Charger 2019.

Our driver sample is a single, 30-year-old man with a clean driving history. These rates represent a policy that covers all four major U.S. locations, Los Angeles, New York City, Chicago, Dallas, and Chicago.

What is the cost of Dodge Charger car insurance?

Dodge Charger car insurance

The average cost of insuring a Dodge Charger costs $4,406 per annum. The year of the vehicle and its value will affect how much insurance rates you pay. Insurance rates will rise because newer models are more costly.

The 2014 Dodge Charger was the most affordable to insure at $4.011, $781 less than the 2019 Dodge Charger. The 2020 Dodge Charger insurance cost data was not available. However, insurance for a newer model will likely cost more.

Vehicle Market value Average Dodge Charger car insurance price
2019 Dodge Charger $21,284 $4,792
2018 Dodge Charger $18,590 $4,615
2017 Dodge Charger $17,962 $4,502
Dodge Charger 2016 $16,516 $4,338
2015 Dodge Charger $15,267 $4,178
2014 Dodge Charger $11,865 $4,011

The annual cost of an insurance policy that covers a Dodge Charger SXT RWD for a male driver aged 30 years old is called the insurance rate. These rates were obtained from top insurance companies in Los Angeles and Dallas.

Vehicles with additional features may be more expensive to repair or insure than the base model.

Cost of coverage for Dodge Charger SXT or Dodge Charger GT

We received insurance quotes for the SXT base model as well as the GT. However, there was only a slight difference between the GT and SXT in terms of insurance costs. The Dodge Charger GT costs only $9 per month more insurance.

Model Average insurance costs Market value (2019).
Dodge Charger SXT $4,792 $21,284
Dodge Charger GT $4,896 $25,387

The Dodge Charger GT, a more expensive model, has a stronger engine.

Different trims can have different features that can impact the car’s worth. It can help to predict how much insurance companies will pay in the event that an accident occurs.

The market value for the 2019 Dodge Charger SRT Hellcat is $54,948, which is $33,664 higher than the 2019 Dodge Charger SXT.

This means that 2019 Dodge Charger Hellcat owners are likely to pay hundreds more annually for insurance than Dodge Charger SXT homeowners.

Compare Dodge Charger insurance rates to other muscle cars

The 2019 Dodge Charger’s annual insurance rates are slightly higher than other muscle cars, at $4,792 per year.

This same driver was used to compare insurance rates for muscle-car rivals to the Dodge Charger.

A 2019 Chevy Camaro1SS insurance policy is $117 less than a Dodge Charger.

This is just $9 per month. The Ford Mustang 2019 is the least expensive to insure, at $4,378 per year.

What is the average price of Dodge Charger car insurance?

The Dodge Charger can be a fun car to drive. However, the mid-range sedan has higher car insurance rates than other cars of this class.

The Charger is generally more expensive to insure than an average vehicle, at $700 per year. You can expect to pay $173 per month or $2.076 annually for Dodge Charger insurance.

The Charger is 3.4% more expensive to insure if you compare its cost-to-base car price (4% vs. $27,995).

If you compare the Dodge Charger value over six years to car insurance costs, you will see an increasing trend.

The following table shows the full coverage costs for a Dodge Charger rear-wheel-drive SXT model. These rates were sourced from major insurers in major cities like Los Angeles, Chicago, and Dallas.

  • 2014 Dodge Charger has a market value of $11,865 and annual insurance cost $4,011.
  • The 2015 Dodge Charger has a market value of $15,267 and an annual insurance cost of $4.178.
  • A 2016 Dodge Charger has a market value of $16,516 and an annual insurance cost of $4.338.
  • A 2017 Dodge Charger has a market value of $17,962 and an annual insurance cost of $4.052.
  • The 2018 Dodge Charger has a market value of $18,590 and an annual insurance cost of $4.615.
  • A 2019 Dodge Charger has a market value of $21,284 and an annual insurance cost of $4.792.

What it costs to insure a Dodge Charger based on the model year

Insuring an older Dodge Charger is less expensive than insuring a newer model. The comprehensive and collision coverage rates decrease as the car’s worth declines.

The average cost for Dodge Charger insurance in 2005 was $1,108 annually, while 2020 versions are $1,605 annually. You can save up to $497 per year depending on the model of your vehicle.

Your car’s age will determine which insurance company is the most affordable. USAA is the insurer that offers the lowest rates on a 2020 Dodge Charger. It costs $1,259 annually.

Look at the table below to see how insurance costs differ between companies.

Dodge Charger Insurance Model Years by Age Group

Your age can affect the price of insurance for your Dodge Charger. These are the average rates that you can expect to pay.


Year

16-19 yr old

20-29 yr old

30-39 yr old

40-49 yr old

50-59 yr old

60+ yr old
2021 $166.61/mo $138.48/mo $93.50/mo $146.41/mo $91.83/mo $74.42/mo
2020 $274.65/mo $170.41/mo $121.40/mo $129.57/mo $108.90/mo $132.14/mo
2019 $330.99/mo $177.85/mo $135.21/mo $131.19/mo $134.56/mo $151.14/mo
2018 $227.25/mo $176.16/mo $131.53/mo $116.92/mo $90.90/mo $118.28/mo
2017 $333.19/mo $200.21/month $121.61/mo $147.64/mo $122.28/mo $126.32/mo
2016 $341.19/mo $213.37/mo $150.90/mo $151.14/mo $121.46/mo $134.79/mo
2015 $372.57/mo $200.45/month $140.10/mo $172.17/mo $96.43/mo $104.89/mo
2014 $266.14/mo $198.12/mo $142.36/mo $124.76/mo $132.12/mo $115.61/mo
2013 $378.02/mo $212.49/mo $155.34/mo $130.09/mo $100.81/mo $112.00 per mo
2012 $279.87/mo $194.22/mo $124.27/mo $128.05/mo $97.02/mo $116.52/mo
2011 $282.24/mo $204.19/mo $152.41/mo $102.30/mo $81.96 per mo $99.94/mo
2010 $337.28/mo $171.55/mo $130.17/mo $125.77/mo $94.74/mo $90.26/mo

2021 Dodge Charger Insurance

  • Average Cost to Insure: $1,548.00 / year
  • Cheapest Rate: $319.00 / year Safeco
  • Available Trims: GT 4dr SEDAN (6cyl)

2021 Dodge Charger Insurance Rates by Companies

Insurance Company 12-month Premium
Safeco $319.00 / year
Jupiter Auto Insurance $839.00 / year
Erie $1,286.00 / year
Penn National $1,382.00 / year
Direct Auto $1,464.00 / year
Virginia Farm Bureau $1,536.00 / year
SECURA Insurance $1,544.00 / year
Capital Insurance Group $1,893.00 / year
Mercury Insurance Company $1,983.00 / year
USAA $2,144.00 / year

2020 Dodge Charger Insurance

  • Average Cost to Insure: $1,872.00 / year
  • Cheapest Rate: $652.00 / year Jupiter Auto Insurance
  • Available Trims: GT 4dr SEDAN (6cyl)

2020 Dodge Charger Insurance Rates by Companies

Insurance Company 12-month Premium
Jupiter Auto Insurance $652.00 / year
Titan $1,029.00 / year
American National P&C $1,071.00 / year
Direct Auto $1,384.00 / year
North Carolina Farm Bureau $1,388.00 / year
Buckeye Insurance Group $1,612.00 / year
Utica National Ins Group $1,613.00 / year
Clearcover $1,724.00 / year
Virginia Farm Bureau $1,956.00 / year
Indiana Farmers Mutual Ins $2,039.00 / year

2019 Dodge Charger Insurance

  • Average Cost to Insure: $1,639.57 / year
  • Cheapest Rate: $671.00 / year West Bend Mutual
  • Available Trims: GT 4dr SEDAN (6cyl)

2019 Dodge Charger Insurance Rates by Companies

Insurance Company 12-month Premium
West Bend Mutual $671.00 / year
Western National $825.00 / year
American National P $837.00 / year
Jupiter Auto Insurance $853.00 / year
North Star $944.00 / year
National General Value $1,010.00 / year
American National P&C $1,107.00 / year
Virginia Farm Bureau $1,273.00 / year
Direct Auto $1,394.00 / year
North Carolina Farm Bureau $1,599.00 / year

2018 Dodge Charger Insurance

  • Average Cost to Insure: $1,587.43 / year
  • Cheapest Rate: $686.00 / year Jupiter Auto Insurance
  • Available Trims: GT 4dr SEDAN (6cyl)

2018 Dodge Charger Insurance Rates by Companies

Insurance Company 12-month Premium
Jupiter Auto Insurance $686.00 / year
American National P $794.00 / year
National General Value $969.00 / year
Oregon Mutual $1,208.00 / year
Direct Auto $1,322.00 / year
Indiana Farmers Mutual Ins $1,360.00 / year
American National P&C $1,437.00 / year
North Carolina Farm Bureau $1,458.00 / year
National Farmers Union P $1,527.00 / year
PEMCO $1,559.00 / year

2017 Dodge Charger Insurance

  • Average Cost to Insure: $1,873.17 / year
  • Cheapest Rate: $831.00 / year Jupiter Auto Insurance
  • Available Trims: R/T 4dr SEDAN (8cyl)

2017 Dodge Charger Insurance Rates by Companies

Insurance Company 12 month Premium
Jupiter Auto Insurance $831.00 / year
Pekin Insurance $1,203.00 / year
Plymouth Rock $1,287.00 / year
American National P&C $1,381.00 / year
Clearcover $1,411.00 / year
Direct Auto $1,419.00 / year
North Carolina Farm Bureau $1,517.00 / year
Farm Bureau Mutual (IA Group) $1,677.00 / year
Ameriprise Group $1,758.00 / year
New Jersey Manufacturers $1,803.00 / year

2016 Dodge Charger Insurance

  • Average Cost to Insure: $1,666.27 / year
  • Cheapest Rate: $805.00 / year American National P&C
  • Available Trims: R/T 4dr SEDAN (8cyl)

2016 Dodge Charger Insurance Rates by Companies

Insurance Company 12 month Premium
American National P&C $805.00 / year
Jupiter Auto Insurance $1,197.00 / year
Bear River $1,206.00 / year
Titan $1,213.00 / year
National General Value $1,420.00 / year
West Bend Mutual $1,487.00 / year
Direct Auto $1,536.00 / year
North Carolina Farm Bureau $1,545.00 / year
Farmers Mutual of Nebraska $1,598.00 / year
General Casualty $1,616.00 / year

2015 Dodge Charger Insurance

  • Average Cost to Insure: $1,411.07 / year
  • Cheapest Rate: $154.00 / year Jupiter Auto Insurance
  • Available Trims: R/T 4dr SEDAN (8cyl)

2015 Dodge Charger Insurance Rates by Companies

Insurance Company 12 month Premium
Jupiter Auto Insurance $154.00 / year
American National P $600.00 / year
Concord Group $1,026.00 / year
Indiana Farmers Mutual Ins $1,146.00 / year
American National P&C $1,153.00 / year
Kemper Premium $1,170.00 / year
Commerce Group Inc $1,434.00 / year
MMG Insurance Company $1,455.00 / year
Dairyland Scored $1,587.00 / year
General Casualty $1,617.00 / year

2014 Dodge Charger Insurance

  • Average Cost to Insure: $1,190.23 / year
  • Cheapest Rate: $366.00 / year Jupiter Auto Insurance
  • Available Trims: R/T 4dr SEDAN (8cyl)

2014 Dodge Charger Insurance Rates by Companies

Insurance Company 12 month Premium
Jupiter Auto Insurance $366.00 / year
General Casualty $660.00 / year
American National P&C $704.00 / year
Ameriprise Group $991.00 / year
North Carolina Farm Bureau $1,056.00 / year
National General RAD $1,056.00 / year
Farm Bureau of ID Group $1,080.00 / year
Farm Bureau Mutual (IA Group) $1,209.00 / year
Virginia Farm Bureau $1,305.00 / year
Utica National Ins Group $1,312.00 / year

2013 Dodge Charger Insurance

  • Average Cost to Insure: $1,152.27 / year
  • Cheapest Rate: $507.00 / year American National P&C
  • Available Trims: R/T 4dr SEDAN (8cyl)

2013 Dodge Charger Insurance Rates by Companies

Insurance Company 12 month Premium
American National P&C $507.00 / year
Jupiter Auto Insurance $513.00 / year
Cameron Mutual Group $756.00 / year
Virginia Farm Bureau $825.00 / year
Victoria $1,042.00 / year
State Farm $1,051.00 / year
Erie $1,080.00 / year
Auto-Owners Insurance Co $1,125.00 / year
Hastings Mutual Insurance Co $1,131.00 / year
National Grange Mutual $1,194.00 / year

2012 Dodge Charger Insurance

  • Average Cost to Insure: $1,142.43 / year
  • Cheapest Rate: $72.00 / year Jupiter Auto Insurance
  • Available Trims: R/T 4dr SEDAN (8cyl)

2012 Dodge Charger Insurance Rates by Companies

Insurance Company 12 month Premium
Jupiter Auto Insurance $72.00 / year
American National P&C $706.00 / year
Utica National Ins Group $793.00 / year
North Carolina Farm Bureau $915.00 / year
Mississippi Farm Bureau $990.00 / year
Titan $1,079.00 / year
Virginia Farm Bureau $1,086.00 / year
Plymouth Rock Assurance $1,108.00 / year
Indiana Farmers Mutual Ins $1,138.00 / year
SECURA Insurance $1,139.00 / year

2011 Dodge Charger Insurance

  • Average Cost to Insure: $1,170.73 / year
  • Cheapest Rate: $101.00 / year Jupiter Auto Insurance
  • Available Trims: R/T 4dr SEDAN (8cyl)

2011 Dodge Charger Insurance Rates by Companies

Insurance Company 12 month Premium
Jupiter Auto Insurance $101.00 / year
Bear River $842.00 / year
PEMCO $858.00 / year
Buckeye Insurance Group $869.00 / year
Clearcover $885.00 / year
Utica National Ins Group $919.00 / year
North Carolina Farm Bureau $936.00 / year
Indiana Farmers Mutual Ins $1,040.00 / year
American National P&C $1,068.00 / year
Oregon Mutual $1,118.00 / year

2010 Dodge Charger Insurance

  • Average Cost to Insure: $999.87 / year
  • Cheapest Rate: $170.00 / year Jupiter Auto Insurance
  • Available Trims: R/T 4dr SEDAN (8cyl)

2010 Dodge Charger Insurance Rates by Companies

Insurance Company 12-month Premium
Jupiter Auto Insurance $170.00 / year
Kemper Auto Premium $706.00 / year
American National P&C $717.00 / year
Bear River $807.00 / year
North Carolina Farm Bureau $828.00 / year
New Jersey Manufacturers $894.00 / year
Concord Group $909.00 / year
National General RAD $925.00 / year
Farm Bureau of ID Group $944.00 / year
Countryway Insurance $970.00 / year

Look for safety and driver-assist features when choosing your Dodge Charger trims and add-on packages. This will help you lower your insurance rates.

You can expect to see an increase in your insurance rates if you have options or trim levels that improve the performance and/or value of the Charger.

The Dodge Charger’s Top Features

The Dodge Charger is a modern four-door muscle car sedan. It’s now in its seventh generation. Six trims are available. There is no other brand that offers a four-door car like the Dodge Charger.

The original Dodge Charger was released in 1966 as a two-door coupe. It was then transformed into a powerful, sports-car-like four-door sedan.

The Dodge Charger is a car that appeals to those who want to drive a powerful, fast, and stylish car. There are many powertrain options for the Charger, including a V-8 engine that produces 700 horsepower.

The Charger’s sporty handling and tuned suspension are well-loved by drivers. It also has a spacious interior that is modern and comfortable.

These features can make the Dodge Charger more costly to insure.

The Dodge Charger, a four-door muscle car made in America, is the only one.

There’s ample space for five people and easy access to the rear seats through the four doors. If you are looking for a smaller vehicle, Dodge also has the Challenger two-door muscle car.

To find the right muscle car for you, check out other manufacturers.

The Dodge Charger’s Most Affordable Insurance

The 2019 Dodge Charger SXT will set you back $399 per month, or $4,792 annually. State Farm offers the best rates for the Dodge Charger’s higher-end luxury trims.

Allstate, while offering the best rates for Dodge Charger insurance, is more expensive than State Farm. For the 2019 Charger, Allstate will cost you $7,528 per year ($2,736 less than State Farm).

Progressive charges $464 per month, or $5,568 annually. This is about $65 less than State Farm.

Which Dodge Charger is the most expensive to insure?

Because they are the most powerful Charger trims, the 2019 Dodge Charter GT comes with a higher rate of insurance. You can increase the cost and value of your car by adding more powerful engines, wider tires and a better suspension and steering system.

Insurance rates also go up when you have higher insurance rates. The market value for the Dodge Charger SXT trim is $33,664, and the market value for the Charger SRT Hellcat (part of the GT-line) is $54,948.

Insurance rates are significantly higher for those who have the 2019 Dodge Charger SXT trim than those who have the Dodge Charger SXT.

Consider the extra monthly car payment and higher insurance rates when shopping for Dodge Charger trims in the GT Line.

How do the Dodge Charger’s insurance rates compare to other muscle cars?

The Dodge Charger’s insurance rates are generally higher than those of other muscle cars with an average rate at $4,792 per year. It’s important to remember that the Dodge Charger sports sedan is the only one on the market with four doors. This makes it difficult to compare the two.

Insurance rates were compared with similar muscle cars by the same driver. A 30-year-old male driving a 2019 Dodge Charger STX had an annual rate of $4.792.

Insurance rates for the same driver with a 2019 Chevrolet Camaro 1SS are only $4,675 per year. This is only $117 per year, or $9 per month less than the 2019 Dodge Charger.

The 2019 Ford Mustang had the lowest comparison rates, with rates starting at $4,378 per annum. These numbers are $414 and $35 respectively for our male 30-year-old driver.

The Dodge Charger is an exceptional car in the muscle car class. Dodge Charger insurance rates are best if you choose the right trim level, package, and optional features.

How does a Dodge Charger affect your car insurance rates?

The average cost for full coverage car insurance at a national level is $1674 per year. However, to insure a Dodge Charger the average rate rises to $2,077.

Insurance costs can vary depending on many factors, including ZIP code, driving record, and most importantly, the year, trim package, and value of your car.

The market value for the 2020 Dodge Charger SXT at $29,995 is compared to the MSRP of the 2020 Dodge Charger SRT Hellcat Widebody at $72,095.

The Hellcat’s larger engine, higher horsepower, and repair costs will all increase car insurance rates.

Other than your car, what factors affect your car insurance?

Your vehicle’s make and model is not the only thing that will affect the price of your auto insurance.

While exact rating processes can vary depending on the state you live in and your insurer, these are common factors that will affect your car insurance premiums.

  • Age (in most States)
  • Credit score (in most States)
  • Limitations on coverage
  • Get Discounts
  • Gender (in most states)
  • Record of Household Driving
  • Annual mileage
  • ZIP code
  • Marital status
  • Other vehicles within the household

Your actual rates could be higher or lower because car insurance underwriters consider many factors when determining your premiums.

How can you save on Dodge Charger car coverage?

Although insurance is expensive for Dodge Chargers, it may be possible to lower your premium. These tips could help you save money on car insurance.

  • Bundle or stack discounts: The multi-policy and multicar discounts are often the best discounts offered by insurance companies. Combining your auto and home insurance could result in big savings. You may be able to save even more by adding some of the best deals on car insurance, such as those for having a clean driving record and being a part of a professional group.
  • You might consider liability only: If your car is older, you may be able to drop full coverage to save money on liability. This option is recommended by the Insurance Information Institute if your car’s value is less than what it costs to insure.
  • Increase your monthly deductible: Comprehensive and collision coverage can help you save on your premium by increasing your deductible. It is a good idea to determine if you have the financial means to pay the deductible.
  • Be aware of your mileage: You might be eligible for a lower rate if you drive less than the number of miles set by your insurance company.
  • Compare rates from multiple carriers to find the best deal. Analyzing insurance quotes can help you determine if you have the financial means to purchase a car.

Why is it that some cars are more expensive to insure than others?

Insurance companies often associate the make and model of a vehicle with its risk level.

Insurance companies may charge more for vehicles that are more likely to be stolen, more expensive to fix in an accident or have fewer safety features than those with lower risk.

Is the Dodge Charger considered a sports car by insurance?

Every insurance company will have a different definition for a sports car. The following factors may be used to determine whether your car is a sports car: if it’s a two-door or a four-door, its engine size, turbocharged, and its height and weight.

The specifications of sports cars can be found in your Dodge Charger insurance policy.

Is Dodge Charger maintenance expensive?

Costs of maintaining your Dodge Charger will vary depending on where you live, how much you drive and how often you drive. Each person’s costs of maintenance, repairs, maintenance, taxes and other fees may vary.

How to find Dodge Charger insurance

Major insurance companies should offer coverage for your Charger. Compare multiple quotes to find the best deal. Consider these things when shopping around

  • Get quotes from providers using the same information. This will enable you to compare coverages to determine the best price.
  • Deductible. Select a deductible that suits your budget, but remember that it can have an impact on your monthly premiums.
  • Minimum coverage. All states, except New Hampshire and Virginia, have minimum coverage requirements. Before purchasing a policy, ensure that your state’s minimum coverage requirements are met.
  • Additional coverage. You can add personal injury protection or medical payments coverage to your coverage. Get quotes to learn more about the available options.
  • Additionals. Each policy has different features so it is important to know what is included and what extras you will need.
  • Policy restrictions. You should find out which restrictions apply to you in order to avoid coverage gaps or denied claims.
  • Loyalty discount or manufacturer offer. Auto insurance can be reduced by taking advantage of manufacturer offers or loyalty discounts. Check to see if Dodge has any partnerships that offer any special offers.
  • Warranty. To avoid paying for overlap coverage, find out what your manufacturer or extended warranty covers.

Frequently Asked Questions

How much is insurance for a 19 year old with a Dodge Charger?

A 19-year-old with a Dodge Charger pays an average of $3,500 – $5,200 (with an average of $3,595)  for car insurance.

How much is insurance on a Dodge Charger for a 18 year old?

An 18-year-old with a Dodge Charger pays around $4,500 – $5,700 (with an average of $4,722) for car insurance.

How much is insurance on a Dodge Charger for a 16-year-old?

For the same model year of Dodge Charger, a 16-year-old male driver with a propensity for speed in certain areas might be as much as $17,092 a year for a policy with full coverage.

Is insurance high on Dodge Chargers?

Dodge Chargers may not be the most expensive vehicle to insure but they are likely to cost more than the national average Toyota Camry. Your vehicle’s make or model can have a significant impact on the rates of car insurance companies.

Is a Dodge Charger a luxury car?

Dodge Charger car may not be considered in most luxury vehicles but it offers many standard features and options. It has comparable fuel economy to other luxury models, even smaller ones.

How expensive is insurance for a Charger?

The Charger is generally more expensive to insure than an average vehicle, at $700 per year. When you insure your Dodge Charger, expect to pay $173 per month or $2,000.076 per year

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