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How to Find Cheap Dodge Charger Insurance Quotes

If you want to buy affordable Dodge Charger insurance coverage then you should know that a policy will cost $139 per month ($1,668 per year) on average. On average, comprehensive coverage costs $406, collision coverage costs $593, and liability coverage costs $471 for Dodge Charger insurance.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jun 19, 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 are about $149 more a year than the average vehicle with full coverage that averages $1,668 a year or $139 a month. Drivers of an older Dodge Charger may opt for liability only coverage which averages $669 a year or $56 a month. 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 auto 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 S4, Ford Fusion, and Cadillac ATS.

Vehicle Comprehensive Collision Liability Total
Dodge Charger $376 $626 $466 $1,668
Audi S4 $370 $744 $338 $1,588
Ford Fusion $336 $626 $372 $1,492
Cadillac ATS $294 $566 $398 $1,416
Chevrolet Impala $280 $532 $372 $1,342
Chevrolet Blazer $376 $688 $316 $1,516
Audi S3 $356 $744 $264 $1,474

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

The average Dodge Charger auto insurance rates are higher for newer models. For example, auto insurance rates for a 2020 Dodge Charger cost $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 as much as $2,113 more each year for their Dodge Charger auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Dodge Charger insurance rates. For example, drivers in New York may pay $1,017 a year more than drivers in Seattle.

Your Driving Record

Your driving record can have an impact on the cost of Dodge Charger car insurance. Teens and drivers in their 20’s see the highest jump in their Dodge Charger auto insurance rates with violations on their driving record.

Dodge Charger Safety Ratings

Your Dodge Charger auto insurance rates are influenced by 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

Not only do good Dodge Charger crash test ratings mean you are better protected in a crash, but good crash ratings also mean cheaper Dodge Charger auto 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

The more safety features you have on your Dodge Charger, the more likely it is that you can earn a discount. The 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 ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Dodge Charger, others are more favorable and lead to lower insurance rates.

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.

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

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Ways to Save on Dodge Charger Insurance

There are many ways that you can save on Dodge Charger car insurance to get the best value possible. Below are five scenarios you can explore to help keep your Dodge Charger car insurance rates low.

  • Ask About Usage-Based Insurance for Your Dodge Charger
  • Check Your Dodge Charger Policy Carefully to Ensure All Information is Correct
  • Understand the Different Types of Auto Insurance for Your Dodge Charger
  • Apply for Your Full, Unrestricted License as Soon as You’re Eligible
  • Bundle Your Dodge Charger Auto Insurance with Home Insurance

Top Dodge Charger Insurance Companies

Several insurance companies offer competitive rates for the Dodge Charger based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with Dodge Charger drivers organized by market share.

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 car insurance rates from some of the best car insurance companies by using our free online tool now.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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