Dodge Charger insurance rates
Shedding light on car insurance prices
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Originally released in 1966, there have been seven generations of the Dodge Charger to date. Although the first models of the Charger were produced as a two-door coupe, the modern version is a sedan, the only four-door muscle car currently in production. The large car is known for its spacious interior, sporty handling, strong V8 engine and low base price. Despite its understated design, the Charger can have up to 700 horsepower, which could make it expensive to insure.
On average, auto insurance for a Dodge Charger costs $173 a month — or $2,076 a year. This estimate is roughly $750 above the national average, but your actual rates may be different. The cost of insurance depends on a number of driver, location and vehicle-specific factors, making it important to get quotes that reflect your actual situation.
A 2017 Dodge Charger starts at a base price of $27,995. With the average insurance rate at $2,076 per year, the annual insurance cost–to–base car price ratio is 7.4%.
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Shopping for auto insurance is no fun; coverage can be expensive, industry language can be confusing and let’s face it, nobody wants to pay for something they hope to never use. And to make it worse, coverage is mandatory in almost every state. So while you won’t be able to avoid buying coverage, you can shop around to get a better price. Here are a few things you should consider.
Your auto insurance premiums are largely influenced by your chances of filing claims and the cost to pay them out. Since vehicle performance, theft rates, safety features and other details can vary between makes and models, insurance providers rely on your choice of vehicle when calculating your rates. Here’s how the Dodge Charger measures up.
You could save money on car insurance for your Dodge Charger if it comes equipped with these safety features.
According to U.S. News and J.D. Power, the 2018 Dodge Charger holds an 8.9/10 for safety. This rating is backed by near-perfect ratings in almost every category from the IIHS and a 5/5 star safety rating from the NHTSA.
In terms of reliability, the Charger gets a 2/5 star rating from U.S. News and J.D. Power, which is below average for other vehicles in its category. Previous years seem to have slightly better ratings, but not by much.
While the Charger is designed for performance, it’s the only four-door muscle car in production. This configuration makes it a great option for families or anyone that values the convenience of a sedan with the power of a muscle car. The higher-end models may require regular maintenance if they’re driven aggressively, but the entry-level versions should be fine with routine oil changes and other recommended service appointments. Here’s what to expect.
The Charger comes with a standard three-year/36,000-mile limited warranty and five-year/60,000-mile powertrain warranty. New vehicles also include five years of corrosion protection and roadside assistance.
Dodge doesn’t offer an extended warranty for the Charger but there are two vehicle protection plans available through its parent company, Mopar. Terms are available up to eight years/125,000 miles and covers parts, rental allowances and more. The Charger is rated below average for reliability, so these protection plans can provide peace of mind after the initial warranty runs out.
While the Charger is the only four-door muscle car currently in production, you may be able to find similar options by shopping around. Explore other manufacturers or find out what else Dodge has to offer.
Starting at just under $30,000, the Dodge Charger offers a balance between convenience and power. While the entry-level Charger SXT comes with about 300 horsepower, there are a number of models and options that have the potential to put out over 700. Despite its power, every model comes equipped with great safety and driver assistance features that may be eligible for auto insurance discounts. With that being said, there are a number of factors that can influence the cost of insurance, which is why it’s important to compare your options to find the best price for the coverage you need.
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