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Dodge Charger insurance rates

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Average Dodge Charger insurance rates

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. 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.

Companies that offer coverage for Dodge Charger

Geico. Best known for its Gecko mascot that promises to save you 15% on car insurance, Geico is the second-largest auto insurance provider in the US. Besides its competitive pricing, Geico has a great website that allows customers to purchase and manage policies online.

Allstate. This widely recognized provider is home to a wide range of policies and an informative learning center to help you understand your options. It offers customizable coverage, free roadside assistance and great customer service through dedicated agents.

Nationwide. “Nationwide is on your side” with a selection of coverage options, great policy benefits and the Plenti Rewards Program. It’s one of the best-rated auto insurance providers in the country and could be a good choice for your Dodge Charger.

Compare insurance providers that cover Dodge Charger

Name Product Roadside assistance New car protection Available states
Allstate
Included free
Yes, cars under 2 years old
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Metromile
Optional
Yes, cars under 1 year old & 15,000 miles
CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in CA, IL, NJ, OR, PA, VA and WA.
USAA
Included free
No
All 50 states
USAA offers affordable car insurance with highly rated customer service to millions of military members and their families. Only available to military members, veterans and affiliated military members.

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How to compare insurance for the Dodge Charger

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.

  • Price. Be sure to use the same details when getting quotes from providers. This will allow you to compare similar coverage to find the best price.
  • Deductible. Choose a deductible that fits your budget but keep in mind that the amount you choose and influence your monthly premiums.
  • Minimum coverage. Every state (outside of New Hampshire and Virginia) has minimum coverage requirements. Ensure your state minimums are met before purchasing a policy.
  • Additional coverage. Personal injury protection and medical payments coverage are two of many ways you can extend your coverage. Find out what options are available and be sure to include them when getting quotes.
  • Extras. Every policy comes with different features, so it’s important to find out what’s included and what you’ll need to pay extra for.
  • Restrictions. Some providers may have policy restrictions. Find out if any apply to you so that you can avoid gaps in coverage or denied claims.
  • Manufacturer offer or loyalty discount. Manufacturer offers and loyalty discounts can help you save on auto insurance. Find out if Dodge has any partnerships to provide any special offers.
  • Warranty. Find out what’s covered by your manufacturer or extended warranty to avoid paying for overlapping coverage.

What factors affect car insurance rates for Dodge Charger?

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.

  • Body type. The Charger is a four-door sedan that’s designed for performance but packed with safety features that make it a great family car. This could bring down the cost of insurance.
  • Type of car. The Dodge Charger is a muscle car is available with a lot of power. It’s potential to be driven at high speeds could make it more expensive to insure.
  • Theft. The Charger has one of the highest theft rates compared to other vehicles, which could increase the cost of coverage.
  • Repairs. Repairs for the Dodge Charger are quite affordable, with an average cost of $625 per year. While this cost may be higher on the more expensive versions, the low cost of repairs could reduce your premiums.
  • Safety ratings. The Dodge Charger has great safety ratings in almost every category, which may bring down the cost of insurance.
  • Fuel type. The Charger runs on gas, which is usually cheaper to insure compared to diesel and hybrid vehicles.
  • Trim & packages. Choosing options that drastically increase the vehicle’s power or value could lead to more expensive insurance. However, features that improve safety or visibility could have the opposite effect.

Dodge Charger money-saving safety features

You could save money on car insurance for your Dodge Charger if it comes equipped with these safety features.

  • Airbags
  • Anti-lock brakes
  • Anti-theft device
  • Parking sensors
  • Surround view camera system
  • Daytime running lights
  • Electronic stability control
  • Seatbelt pretensioners
  • Rear backup sensors
  • Lane-departure warning systems
  • Adaptive cruise control

Does the Dodge Charger qualify for auto insurance discounts?

Your vehicle may be eligible for various auto insurance discounts depending on which provider you choose. However, the exact discounts you receive may vary depending on location, provider, options, and other factors. Here are a few that should apply to the Dodge Charger:

  • New car discount
  • Anti-lock brake discount
  • Anti-theft discount
  • Passive restraint discount (Airbags, motorized seat belts, etc.)
  • Emergency roadside assistance discount

Dodge Charger reliability & safety ratings

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.

Dodge Charger maintenance

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.

  • Dodge recommends an oil change every 8,000 miles or 6 months, whichever comes first.
  • Oil changes should cost between $100 and $150, but your price may vary depending on how frequently your vehicle is driven and where you bring it for service.
  • Consult your owners manual for more details on the service schedule for the Dodge Charger.

Is an extended warranty worth it for the Dodge Charger?

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.

About the Dodge Charger

Dodge Charger Insurance FinderThe Dodge Charger has been around since 1966 and currently in its seventh generation. The large car is known for its spacious interior, sporty handling, strong V8 engine and low base price. In 2015, the Dodge Charger SRT Hellcat was built as most powerful and fastest producing sedan ever made.

Insurance companies determine the insurance cost for a Dodge Charger based on safety ratings, theft rates, replacement costs and overall damage susceptibility. Insurance rates can change based on a driver’s history and location. When shopping, it’s important to grab quotes from several insurance companies to find the lowest premium possible before you commit. You should also do your research to find out if you qualify for insurance discounts with each insurance company.

Random Dodge Facts

  • Dodge was founded in 1900 and was originally an auto parts supplier for Detroit automakers. Dodge helped to create the first mass-produced American automobile.
  • Dodge produced their first car in 2914, the Dodge Model 30.
  • Dodge was sold to the Chrysler Corporation in 1928 after the Dodge Brothers died and sales declined.
  • Dodge prices start at $17,000 and can go up to $88,000.
  • Dodge has produced approximately 80 car models since the company started.

Dodge Charger car insurance rates

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%.

Model Monthly insurance rate Base car price
Challenger $245.00 $26,995
Charger $173.00 $27,995
Durango $186.00 $29,995
Grand Caravan $238.00 $25,995
Journey $189.00 $21,195

Compare Dodge competitors

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.

Compare all car makes & models

Bottom line

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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