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Dodge Charger insurance rates

Average Charger insurance cost? $212. At this price point, try more perks to protect your ride.

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How much does insurance cost?See sample rates

The average cost of car insurance for a 2021 Dodge Charger is $212.10 a month —or $2,545.17 a year. However, your actual costs depend on your driving history, car model, location and other factors.

Filter car insurance companies by states served, roadside assistance, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
USAA
Optional
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Liberty Mutual
Optional
30%
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Gabi
Optional
Optional
Yes
All 50 states except AK & HI
Upload your current policy info and get quotes from 40+ companies. Switch and save an average of $961 a year.
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Dodge Charger insurance rates

We pulled Dodge Charger car insurance quotes from top insurance companies to find that the average monthly cost to insure a 2021 Dodge Charger is $212.10. However, an older model may score you lower rates.

Model YearProgressiveGeicoState FarmFarmersAverage
2011 Dodge Charger$123.74$112.14$188.17$209.18$158.31
2016 Dodge Charger$145.75$129.83$226.21$226.90$182.17
2021 Dodge Charger$168.75$172.65$263.26$243.73$212.10

How we got these rates

Our rates are based on a single 30-year old driver with a clean driving history living in California. California is one of seven states that don’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:

  • Bodily injury liability per person: $50,000
  • Bodily injury liability per accident: $100,000
  • Property damage liability: $50,000
  • Comprehensive deductible: $500
  • Collision deductible: $500
  • Medical payments: $5,000
  • Uninsured motorist bodily injury: $50,000/$100,000

Get the cheapest quotes for your Dodge Charger

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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 that 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 increase the vehicle’s power or value could lead to more expensive insurance. Because of this, you may pay less to insure lower-end Charger models, whereas the Hellcat or Demon will cost more to insure.

      How to compare insurance for the Dodge Charger

      You should have no trouble finding coverage for your Charger from major insurance companies, so you should compare multiple quotes to get the best price on the coverage you need. What to consider while shopping around:

      • 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.

        Dodge Charger money-saving safety features

          Each Dodge Charger comes equipped with safety and driver assistance features, so you should include these features to qualify for available discounts.

          • 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.

          Compare Dodge competitors

          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.

          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.

          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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