The annual cost for full coverage car insurance on a Dodge Charger ranges from $1,112 to $6,885. Rates can vary greatly based on the car's model year, your age, where you live, your driving record, coverage level, and the insurer you choose.
Dodge Charger Insurance Cost
Key Takeaways
State Farm provides the cheapest annual rates for minimum liability coverage across all model years, offering a rate of $531. Other options like GEICO and Allstate are also competitive but slightly higher.
For a Dodge Charger, the average annual cost for state minimum coverage is $670, while full coverage averages $1,576. These figures highlight the significant difference in cost between coverage types.
MoneyGeek analyzed data and 4,183 quotes for a Dodge Charger from Quadrant Information Services to deliver these insights.
Dodge Charger Insurance Rates
What Is The Average Dodge Charger Car Insurance Cost?
For full coverage, Dodge Charger insurance costs about $131 per month or $1,576 per year. This estimate is based on a 40-year-old male with a clean driving record. If you're considering minimum coverage, expect to pay around $56 monthly or $670 annually.
| Minimum Liability | $670 |
| Full Coverage | $1,576 |
Read More: Average Cost of Car Insurance
Dodge Charger Insurance Costs By Company
Dodge Charger insurance costs range from $1,148 to $2,100 annually, varying by age, model year, and coverage level. The table below compares average rates from several national and mid-size providers with the average rates for all vehicles from the same insurers.
| Allstate | $1,559 | $1,812 | -14% |
| Auto-Owners Insurance Co | $1,250 | $1,226 | 2% |
| Farmers | $2,100 | $1,952 | 8% |
| GEICO | $1,203 | $1,333 | -10% |
| Kemper | $2,039 | $2,212 | -8% |
| Nationwide | $1,763 | $1,585 | 11% |
| Progressive | $1,901 | $1,740 | 9% |
| State Farm | $1,391 | $1,267 | 10% |
| Travelers | $1,804 | $1,517 | 19% |
| USAA | $1,148 | $1,199 | -4% |
Read More: Best Car Insurance Companies
Cost of Insuring a Dodge Charger by Model Year
The year your Dodge Charger was produced can affect your insurance rates, with older models often costing less to insure. For instance, a 2022 model costs $1,808 annually for full coverage, while a 2009 model is $1,351. Below, you'll find the average full and minimum coverage rates for every Dodge Charger production year.
| 2022 | $684 | $1,808 |
| 2021 | $686 | $1,782 |
| 2020 | $662 | $1,742 |
| 2019 | $690 | $1,709 |
| 2018 | $691 | $1,668 |
| 2017 | $667 | $1,640 |
| 2016 | $695 | $1,612 |
| 2015 | $695 | $1,584 |
| 2014 | $667 | $1,538 |
| 2013 | $692 | $1,492 |
| 2012 | $688 | $1,445 |
| 2011 | $664 | $1,414 |
| 2010 | $692 | $1,382 |
| 2009 | $691 | $1,351 |
Dodge Charger Insurance Costs By Driver Age
Dodge Charger insurance rates vary widely with driver age. A 40-year-old pays around $1,583 annually for full coverage, while a 16-year-old faces a hefty $6,885. Below are the average full coverage and state minimum rates for Dodge Charger drivers across different ages.
| 16 | $3,163 | $6,885 |
| 17 | $2,579 | $5,637 |
| 18 | $2,258 | $4,989 |
| 19 | $1,598 | $3,556 |
| 20 | $1,437 | $3,236 |
| 21 | $1,138 | $2,605 |
| 22 | $1,039 | $2,393 |
| 23 | $965 | $2,235 |
| 24 | $916 | $2,126 |
| 25 | $802 | $1,886 |
| 26 | $778 | $1,839 |
| 27 | $760 | $1,799 |
| 28 | $747 | $1,771 |
| 29 | $737 | $1,746 |
| 30 | $711 | $1,677 |
| 35 | $690 | $1,619 |
| 40 | $683 | $1,583 |
| 45 | $676 | $1,557 |
| 50 | $659 | $1,505 |
| 55 | $641 | $1,458 |
| 60 | $641 | $1,452 |
| 65 | $686 | $1,521 |
| 70 | $745 | $1,629 |
| 75 | $827 | $1,788 |
| 80 | $935 | $1,991 |
| 85 | $1,008 | $2,132 |
| 90 | $1,064 | $2,236 |
Dodge Charger Insurance Rates Explained
There are a number of factors that will affect driver's car insurance rates based on their driver profiles. However, auto insurance providers will also take into account factors that are tied to the vehicle you drive. Below is a list that breaks down the cost factors related to your vehicle, such as its make, model, age, safety features, and repair costs.
Tesla Model S Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Dodge Charger
Average Full Coverage Rate
$1,576Premiums for Tesla Model S are:$280 more
This is 22% more expensive.
Value
The MSRP of the Dodge Charger is $59,515, classifying it as a luxury car. This high MSRP can lead to higher insurance costs as insurers consider it more expensive to replace or repair.
Repair Costs
The annual repair cost for a Dodge Charger is $652, which is close to the national average. Factors like the complexity of replacing parts and labor costs can influence insurance rates.
Performance
The Dodge Charger has horsepower ranging from 292 to 370, making it a high-performance vehicle. Insurers often associate high performance with risky behavior, potentially leading to higher insurance costs.
Vehicle Age
Newer cars like the Dodge Charger are typically more expensive to insure than older vehicles. However, collector and classic vehicles can also be very expensive to insure.
Safety Features
Safety features like stability control, airbags, and antilock brakes can qualify your vehicle for insurance discounts. The Dodge Charger includes these features to reduce the risk of accidents.
Vehicle Size
Larger vehicles usually cost more to insure due to increased property damage risk. The Dodge Charger is a larger vehicle, which may lead to higher insurance costs compared to smaller models.
Trim Level
Vehicles with higher trim levels often have premium upgrades, leading to a higher MSRP. This means a Dodge Charger with a higher trim level will cost more to insure than the base model.
Theft Rates
Vehicles at higher risk of being stolen cost more to insure. The Dodge Charger has a higher tendency to be stolen, which can lead to higher insurance rates.
Anti-Theft Features
Vehicles with anti-theft features can qualify for lower premiums. The Dodge Charger includes anti-theft features that may help reduce insurance costs.
Cheapest Dodge Charger Insurance
State Farm offers the most affordable minimum coverage rate for a Dodge Charger at $531 per year. This rate is for a 40-year-old male driver with a clean driving record. Below is a breakdown of the cheapest Dodge Charger insurance rates across various coverage levels, age groups, driving records, model years, and more.
Cheapest Dodge Charger Insurance by Coverage Level
The coverage level you select can greatly influence your Dodge Charger insurance rate. State Farm provides the most affordable state minimum coverage, while GEICO offers the cheapest full coverage. Below is a breakdown of the cheapest provider for both coverage types.
Cheapest Dodge Charger Minimum Coverage
State Farm offers the cheapest state minimum coverage for Dodge Charger owners at $44 per month. GEICO follows closely with a rate of $45. Allstate and Travelers also provide competitive rates at $56 and $59 respectively.
| USAA | $36 | $432 |
| State Farm | $44 | $531 |
| GEICO | $45 | $541 |
| Allstate | $56 | $675 |
| Travelers | $59 | $712 |
| Nationwide | $65 | $775 |
| Progressive | $65 | $782 |
| Farmers | $70 | $844 |
USAA offers the lowest average minimum coverage auto insurance rates for non-military affiliated Dodge Charger owners. Otherwise, USAA would be the most affordable option.
Best Dodge Charger Insurance Rates by Model Year
The above list doesn't consider the model production year, which means lower rates may be available depending on your vehicle's age. You can filter the table below to find the cheapest minimum coverage rates for every Dodge Charger production year.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $691 | $58 |
| Farmers | $870 | $73 |
| GEICO | $560 | $47 |
| Nationwide | $776 | $65 |
| Progressive | $768 | $64 |
| State Farm | $540 | $45 |
| Travelers | $730 | $61 |
| USAA | $438 | $37 |
*USAA is only available for military veterans, active servicemembers, and their families
Read More: Cheapest Liability-Only Car Insurance
Cheapest Full Coverage Dodge Charger Insurance
GEICO offers the cheapest full coverage for a Dodge Charger at $100 per month or $1,205 annually. Below, you can find the full list of providers and rates for full coverage car insurance for a Dodge Charger.
| USAA | $93 | $1,112 |
| GEICO | $100 | $1,205 |
| State Farm | $113 | $1,356 |
| Allstate | $125 | $1,506 |
| Nationwide | $139 | $1,663 |
| Travelers | $149 | $1,791 |
| Progressive | $156 | $1,875 |
| Farmers | $165 | $1,985 |
On average, GEICO is the cheapest insurer for non-military affiliated dodge-charger owners seeking a full-coverage policy. Otherwise, USAA would be the most affordable option.
Read More: Cheapest Full-Coverage Car Insurance
Cheapest Dodge Charger Insurance By Age
Younger drivers aged 16-25 and seniors 55+ often pay more for Dodge Charger insurance, making it crucial to find the lowest rates. Below is the breakdown of the cheapest Dodge Charger insurance by age.
Cheapest Dodge Charger Insurance For Young Drivers
State Farm offers the cheapest insurance for young Dodge Charger drivers, with an annual rate of $1,164 and a monthly rate of $97 for minimum coverage. Below is a table that highlights the full list of affordable rates available for young drivers.
| USAA | $75 | $902 |
| State Farm | $97 | $1,164 |
| GEICO | $108 | $1,299 |
| Travelers | $125 | $1,500 |
| Allstate | $127 | $1,526 |
| Nationwide | $174 | $2,086 |
| Farmers | $191 | $2,289 |
| Progressive | $191 | $2,297 |
State Farm is the cheapest insurer for non-military affiliated young drivers, but otherwise, USAA would be the most affordable option.
Read More: Car Insurance For Young Drivers
Cheapest Dodge Charger Insurance For Seniors
USAA provides the cheapest car insurance rates for seniors aged 55 and up, with $48 monthly and $576 annually. Below is a list of affordable insurers for Dodge Charger owners.
| USAA | $48 | $576 |
| State Farm | $49 | $585 |
| GEICO | $54 | $647 |
| Allstate | $68 | $820 |
| Travelers | $71 | $854 |
| Nationwide | $76 | $912 |
| Progressive | $83 | $992 |
| Farmers | $94 | $1,127 |
USAA is the cheapest insurer for senior non-military affiliated Dodge Charger owners. Otherwise, USAA would be the most affordable option.
Read More: Best Cheap Car Insurance For Seniors
Cheapest Dodge Charger Insurance After An Accident
State Farm, GEICO, and Allstate offer the most affordable minimum coverage for Dodge Charger drivers after an accident. Check out the complete list below.
| USAA | $55 | $659 |
| State Farm | $55 | $662 |
| GEICO | $71 | $857 |
| Allstate | $77 | $923 |
| Travelers | $87 | $1,045 |
| Nationwide | $101 | $1,216 |
| Progressive | $109 | $1,305 |
| Farmers | $139 | $1,672 |
Read More: Cheapest Car Insurance After an Accident
Dodge Charger Insurance Cost: Bottom Line
Make it a habit to compare car insurance rates from different providers to find the most affordable options. In this article, we discussed Dodge Charger insurance, exploring costs for various demographics and identifying the cheapest providers.
Dodge harger Insurance Rates: FAQ
Below, you'll find common questions about Dodge Charger insurance costs, helping you understand what to expect for coverage.
What company has the cheapest car insurance for a Dodge Charger?
State Farm offers the most affordable rate for a Dodge Charger at $531 annually for minimum coverage. Detailed information can be found on the cheapest car insurance provider for a Dodge Charger.
What is the average cost of car insurance for a Dodge Charger?
The average annual cost for state minimum liability insurance for a Dodge Charger is $670, while full coverage amounts to $1,576. Selecting the right insurance depends on individual needs and vehicle value.
Dodge Charger Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data, information and 4,183 quotes for a Dodge Charger from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Dodge Charger:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Dodge Charger insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn’t available, our data scientists interpolated expected rates based on how individual insurers tend to price car models year by year. Our published rates are simply estimates and may not reflect the actual rate that you’ll receive for your Dodge Charger.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.