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Key Takeaways
- The average insurance cost of a Dodge Charger is $2128.
- Models are one of the major factors which matter when it comes to insurance costs for Dodge vehicles.
- For each type of coverage, there are different types of loss probability insurance for Dodge chargers.
Dodge Charger Car Insurance Cost
The average annual premiums for full coverage Dodge Charger auto insurance is $2,128.
Are Dodge Chargers Expensive to Insure?
While low-cost Dodge Charger insurance is available, compared to the average of $1,439 for all automobile models, owners of this model pay $1,459 annually. However, remember that your actual premium may change depending on several additional factors.
2020 Dodge Charger Insurance Cost by Companies
| Insurance company | Average Annual Premium |
|---|---|
| Allied | $795 |
| Tennessee Farmers | $1491 |
| 21st century | $1428 |
| Erie | $1493 |
| American Family | $1499 |
| Auto-Owners | $1507 |
| Nationwide | $1696 |
| Vermont Mutual | $1800 |
| Mercury | $1747 |
| USAA | $1847 |
| State Farm | $2000 |
2019 Dodge Charger Insurance Cost by Companies
| Insurance Company | Average Annual Premium |
|---|---|
| Erie | $1333 |
| Auto-Owners | $1522 |
| Cincinnati | $1537 |
| USAA | $1545 |
| Nationwide | $1588 |
| Mercury | $1709 |
| American Family | $1826 |
| State Farm | $1932 |
| Country | $1938 |
| Acuity | $1932 |
| Plymouth Rock Insurance | $1995 |
| Southern Farm Bureau | $2010 |
2018 Dodge Charger Insurance Cost by Companies
| Insurance Company | Average Annual Premium |
|---|---|
| Erie | $1125 |
| Tennessee Farmers | $1297 |
| USAA | $1331 |
| Nationwide | $1475 |
| Plymouth Rock Insurance | $1486 |
| State Farm | $1501 |
| Allied | $1503 |
| Mercury | $1585 |
| Progressive | $1820 |
| American Family | $1868 |
| Acuity | $1893 |
| Vermont Mutual | $1980 |
2017 Dodge Charger Insurance Cost by Companies
| Insurance Company | 12-month Premium |
|---|---|
| Erie | $1052 |
| USAA | $1153 |
| Texas Farm Bureau | $1220 |
| Tennessee Farmers | $1297 |
| State Farm | $1385 |
| Plymouth Rock Insurance | $1454 |
| Nationwide | $1490 |
| Mercury | $1512 |
| Allied | $1520 |
| Progressive | $1711 |
| American Family | $1925 |
2016 Dodge Charger Insurance Cost by Companies
| Insurance Company | 12-month Premium |
|---|---|
| Allied | $830 |
| Texas Farm Bureau | $1194 |
| Vermont Mutual | $1262 |
| Erie | $1299 |
| 21st century | $1316 |
| American Family | $1332 |
| USAA | $1361 |
| Tennessee Farmers | $1426 |
| Mercury | $1475 |
| Nationwide | $1542 |
| State Farm | $1586 |
2015 Dodge Charger Car Insurance Cost by Companies
| Insurance Company | 12-month Premium |
|---|---|
| Erie | $1037 |
| USAA | $1083 |
| Texas Farm Bureau | $1201 |
| Vermont Mutual | $1304 |
| State Farm | $1315 |
| Tennessee Farmers | $1319 |
| Plymouth Rock Insurance | $1366 |
| Mercury | $1410 |
| Acuity | $1427 |
| Nationwide | $1476 |
| Allied | $1524 |
2014 Dodge Charger Car Insurance by Companies
| Insurance Company | Average Annual Premium |
|---|---|
| Erie | $784 |
| USAA | $904 |
| Progressive | $1263 |
| Vermont Mutual | $1307 |
| Tennessee Farmers | $1328 |
| Nationwide | $1345 |
| Plymouth Rock Insurance | $1353 |
| Acuity | $1374 |
| Mercury | $1438 |
2013 Dodge Charger Car Insurance by Companies
| Insurance Company | 12-month Premium |
|---|---|
| Erie | $767 |
| USAA | $874 |
| Texas Farm Bureau | $1029 |
| State Farm | $1115 |
| Progressive | $1204 |
| Vermont Mutual | $1275 |
| Nationwide | $1281 |
| Plymouth Rock Insurance | $1315 |
| Tennessee Farmers | $1322 |
| Allstate | $1384 |
| American Family | $1538 |
What impacts the insurance cost of Dodge Chargers?
- Model Year: The model year of your Dodge Charger is what will have the most impact on the cost of your insurance policy. The 2022 or 2021 Dodge Charger will be significantly more expensive to insure than the 2016 or 2017 model because most new cars lose up to 10% of their value as soon as they drive off the lot.
- Trim Model: On average, the smaller your car's engine is, the lower your insurance costs will be.
- Color: Silver, white, or black Chargers cost less than red, blue, or green ones because, statistically, bright-colored cars cause more accidents and traffic offenses.
- Distance traveled: If a car owner intends to drive more than 12,000 miles annually, insurance firms like State Farm (and most other insurers) will charge them more (the national average). However, you might be able to lower your insurance premiums if you drive less than this.
- Driving History: You'll get a better insurance quote if you have a clean driving record (No recent tickets, accidents, or liens). On the other hand, you will pay more if you've had prior accidents or points added to your license due to tickets.
- Age: The most expensive drivers to insure are those under 25. However, your monthly premium payments will significantly decrease once you reach the age of 35. Therefore, the best qualification for affordable insurance is for senior drivers (65 or older).
- Your FICO Score: Your monthly premium prices also impact your credit score. If you have a low credit score, it will take the insurer more time and money to bring your account current because you are more likely to skip a payment or let your insurance lapse.
How much is Dodge Charger car insurance?
A Dodge charger costs $2220 a year on average for vehicle insurance.
Dodge Charger Crash Test Ratings
| NHTSA Rating Summary | 2016 Dodge Dart NHTSA Ratings | 2017 Dodge Viper NHTSA Ratings | 2010 Dodge RAM 1500 NHTSA Ratings | 2020 Dodge Durango NHTSA Ratings | 2020 Dodge Challenger | 2020 Dodge Charger | 2020 Grand Caravan |
|---|---|---|---|---|---|---|---|
| Frontal Barrier Crash Rating Overall | 5/5 | - | - | 4/5 | 4/5 | - | 4/5 |
| Driver | 5/5 | - | 5/5 | 3/5 | 4/5 | - | 4/5 |
| Passenger | 5/5 | - | 5/5 | 4/5 | 5/5 | - | 5/5 |
| Side Crash Overall Rating | 5/5 | - | - | 5/5 | - | 5/5 | 5/5 |
| Side Barrier Rating Overall | 5/5 | - | - | 5/5 | - | 5/5 | 5/5 |
| Driver | 5/5 | - | - | 5/5 | - | 4/5 | 5/5 |
| Passenger | 5/5 | - | - | 5/5 | - | 5/5 | 5/5 |
| Front Seat Rating | 5/5 | - | - | 5/5 | - | 4/5 | 5/5 |
| Back Seat | 5/5 | - | - | 5/5 | - | 5/5 | 5/5 |
| Overall Rollover | 4/5 | - | 4/5 | 4/5 | 4/5 | 5/5 | 4/5 |
| Risk of Rollover | 10.70% | - | - | 19.80% | 11.10% | 10.10% | 16.40% |
Dodge Charger Safety Features
Although by definition a muscle car, Charger models may also include many safety features common in sedans or family vehicles, such as:
- Anti-Lock Brake System (ABS)
- Warning light for pressure gauge monitoring
- Electronic Stabilization System (ESS)
- Front/rear side-curtain airbags that are optional
Nevertheless, you must be cautious when choosing a Dodge Charger because not all models come complete with safety measures.
Dodge Charger Safety Ratings
The Dodge received a five-star overall safety rating from the National Highway Traffic Safety Administration, with four stars in the frontal crash test and five stars in the side collision and rollover tests.
Dodge Charger Car Insurance Loss Probability
Each type of coverage has different insurance loss probabilities for the Dodge Charger. Lower percentages equate to cheaper Dodge Charger auto insurance; greater percentages equate to more expensive Dodge Charger auto insurance.
| Insurance Coverage Category | Loss Rate |
|---|---|
| Collision | 48% |
| Property Damage | 42% |
| Comprehensive | 60% |
| Personal Injury | 76% |
| Medical Payments | 78% |
| Bodily Injury | 59% |
Ways to Save on Dodge Charger Car Insurance
More options are available to you if you want to reduce the price of your Dodge Charger car insurance. For instance, try utilizing the five tactics listed below to lower the cost of your Dodge Charger auto insurance.
- Drop young drivers from your Dodge Charger insurance when kids move out or start school.
- Request a new Dodge Charger car insurance quote based on your higher credit rating.
- Investigate your teen driver.
- On an older Dodge Charger, lower your insurance coverage.
- Every six months, confirm Dodge Charger price quotes.
How do I find the best Dodge Charger Car Insurance?
When trying to get discounts on auto insurance, comparison shopping is the game's name.
It functions because each insurer uses a different algorithm to calculate your rate. Therefore, unless you can automatically identify the best algorithm for your automobile, age, zip code, etc., comparing quotations is the only way to find the right coverage at the best price.
If you prefer a different strategy, download the Way.com app and let us handle the algorithms (and the savings). Then, by answering a few quick questions, you can instantly access the 130 top insurance carriers on Way.com and examine rate comparisons in as little as 45 seconds.
We do mean that. Insurance companies frequently give discounts to customers who install current safety technologies and anti-theft systems in their vehicles. Therefore, add a GPS tracker or collision avoidance system to your vehicle to improve your driving safety and insurance rates!
We understand that the intriguing accessory the dealership salesperson showed you was well worth the price. Maybe it's true. But reducing the number of redundant features is one of the simplest methods to lower insurance prices.
Do you adore that upgraded sound system so much that you can't live without it? It will raise your rate. There will be a motorized moonroof, heated seats, and leather inside. Since they increase the value of your car, any future claims will also increase in value.
Therefore, resist the need to customize unless the higher cost is justifiable.
You might have more money in your pocketbook if you drive carefully. Of course, tickets will increase your fee, but keeping a flawless record allows you to receive discounts.
Even if you've had a poor driving history, Way.com can still find you reasonable rates and teach you how to drive better—all from your phone!
The good news is that most insurance companies offer discounts for various reasons, including military service, defensive driving, online payments, and high academic standing. The bad news is that establishments don't always advertise discounts, so you occasionally have to look for them.
Way.com can help you compare businesses and find the best deals for you. Just remember to mention discounts!
Bottom Line
If you want to know exactly how much it will cost for you to insure a Dodge Charger, the best thing to do is simply get a car insurance quote.
An online quote tool can provide you with multiple insurance quotes at once, so you can easily compare and contrast the different prices out there.
INSURANCE AGENT EXPERTS
Auto Insurance Data Methodology
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
DATA SOURCES
Way.com’s Insurance Broker Quote Data
FAQ
How much is a dodge charger insurance?
A dodge charger insurance costs almost $2128.
What is the average insurance cost for a dodge charger?
A dodge car owner, on average, pays up to $1439.
Find out how much it costs to insure other Dodge models
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