Dodge Charger Car Insurance Cost 2025
Insuring a Dodge Charger typically costs $2,355 per year on average. However, the actual premium can vary based on factors like your age, the model year of your car, and other individual circumstances. You can use the quote tables below to get a more accurate estimate of your specific costs.
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If you’re thinking about buying a Dodge Charger, one important factor to consider is the insurance cost. Insurance plays a vital role in car ownership, and it’s essential to understand its implications before making a purchase. On average, insurance for a Dodge Charger cost $2,355 per year.
Choosing the right insurance policy is crucial to avoid unexpected and potentially high expenses in the future. It’s important to have sufficient coverage in case of an accident to prevent significant out-of-pocket costs. Additionally, inadequate coverage could lead to hefty expenses if you’re found at fault.
With my extensive experience analyzing car insurance rates over the past decade, I’ve observed the significant variability in costs. Factors such as age, driving history, and location can greatly impact insurance premiums.
How Much Does A Dodge Charger Car Insurance Cost?
Typically, Dodge Charger drivers can expect to pay an average of $2,355 per year for car insurance.
The cost of car insurance can vary widely based on several factors, including your location, driving history, the model year of your vehicle, and the coverage options you choose. A clean driving record can help reduce premiums, while a history of accidents or traffic violations may lead to higher costs.
Living in an urban area with heavy traffic may result in higher insurance rates compared to rural areas with lighter traffic. Additionally, the type of coverage you select impacts your premium—comprehensive insurance, which includes both collision and non-collision coverage, generally costs more than basic liability coverage.
As shown in the table below, insurance for a Dodge Charger is higher than the average cost for all Dodge models and exceeds the average cost for all cars.
To find the best rates for your needs, Insuranceopedia can help you compare quotes from various auto insurance providers, ensuring you secure the most competitive deal.
| Vehicle | Average Monthly Premium |
| Dodge Charger | $215 |
| All Dodges | $186 |
| All Cars | $175 |
Average Insurance Cost Of Dodge Charger By Model Year
| Model Year | Average Premium |
| 2023 Dodge Charger | $765 |
| 2022 Dodge Charger | $948 |
| 2021 Dodge Charger | $547 |
| 2020 Dodge Charger | $803 |
| 2019 Dodge Charger | $669 |
| 2018 Dodge Charger | $807 |
| 2017 Dodge Charger | $662 |
| 2016 Dodge Charger | $770 |
| 2015 Dodge Charger | $932 |
| 2014 Dodge Charger | $683 |
| 2013 Dodge Charger | $764 |
| 2012 Dodge Charger | $660 |
| 2011 Dodge Charger | $830 |
| 2010 Dodge Charger | $290 |
2023 Dodge Charger Insurance Rates
The average annual insurance cost for a 2023 Dodge Charger is $765. However, Jupiter Auto Insurance offers the cheapest rates, averaging $128 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $1,020 |
| NatGen Custom 360 | $509 |
| Utica National Ins Group | $974 |
| Mercury Insurance | $392 |
| Safeco | $397 |
| Titan | $1,030 |
| New York Central Mutual Fire | $797 |
| Direct Auto | $1,218 |
| SafeAuto | $1,181 |
| Jupiter Auto Insurance | $128 |
2022 Dodge Charger Insurance Rates
The average annual insurance cost for a 2022 Dodge Charger is $948. However, Safeco offers the cheapest rates, averaging $236 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $1,145 |
| Victoria | $553 |
| AssuranceAmerica Mobile Max | $886 |
| NatGen Custom 360 | $303 |
| Texas Farm Bureau Group | $1,390 |
| Safeco | $236 |
| Titan | $1,263 |
| Utica National Ins Group | $1,439 |
| Mercury Insurance | $997 |
| Plymouth Rock Assurance | $1,270 |
2021 Dodge Charger Insurance Rates
The average annual insurance cost for a 2021 Dodge Charger is $547. However, Jupiter Auto Insurance offers the cheapest rates, averaging $34 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $636 |
| Safeco | $445 |
| Kemper Personal Insurance | $229 |
| Victoria | $750 |
| NatGen Advantage | $822 |
| Jupiter Auto Insurance | $34 |
| AssuranceAmerica Mobile Max | $329 |
| NatGen Custom 360 | $136 |
| Utica National Ins Group | $1,034 |
| Titan | $1,050 |
2020 Dodge Charger Insurance Rates
The average annual insurance cost for a 2020 Dodge Charger is $803. However, Jupiter Auto Insurance offers the cheapest rates, averaging $134 per year.
| Insurance Provider | Average Annual Cost |
| NatGen PPA | $268 |
| Safeco | $190 |
| Mercury Insurance | $952 |
| Utica National Ins Group | $885 |
| Jupiter Auto Insurance | $134 |
| AssuranceAmerica Mobile Max | $785 |
| Dairyland Broadform | $1,228 |
| NatGen Custom 360 | $1,274 |
| Kemper Auto Premium | $921 |
| Capital Insurance Group | $1,390 |
2019 Dodge Charger Insurance Rates
The average annual insurance cost for a 2019 Dodge Charger is $669. However, Jupiter Auto Insurance offers the cheapest rates, averaging $123 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $951 |
| Safeco | $165 |
| Utica National Ins Group | $1,361 |
| NatGen PPA | $335 |
| Dairyland Broadform | $1,131 |
| Kemper Personal Insurance | $166 |
| Mercury Insurance | $846 |
| NatGen Custom 360 | $594 |
| Kemper Auto Premium | $1,021 |
| Jupiter Auto Insurance | $123 |
2018 Dodge Charger Insurance Rates
The average annual insurance cost for a 2018 Dodge Charger is $807. However, Safeco offers the cheapest rates, averaging $119 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $602 |
| SECURA Insurance | $1,306 |
| NatGen PPA | $1,362 |
| AssuranceAmerica Mobile Max | $407 |
| Utica National Ins Group | $1,225 |
| Jupiter Auto Insurance | $209 |
| Safeco | $119 |
| Commerce Group Inc | $1,307 |
| NatGen Custom 360 | $211 |
| Concord Group | $1,324 |
2017 Dodge Charger Insurance Rates
The average annual insurance cost for a 2017 Dodge Charger is $662. However, Safeco offers the cheapest rates, averaging $86 per year.
| Insurance Provider | Average Annual Cost |
| NatGen PPA | $1,071 |
| AssuranceAmerica Mobile Max | $486 |
| Titan | $1,066 |
| Kemper Personal Insurance | $638 |
| NatGen Custom 360 | $811 |
| Safeco | $86 |
| AssuranceAmerica | $277 |
| Utica National Ins Group | $1,033 |
| SECURA Insurance | $1,024 |
| Jupiter Auto Insurance | $126 |
2016 Dodge Charger Insurance Rates
The average annual insurance cost for a 2016 Dodge Charger is $770. However, Jupiter Auto Insurance offers the cheapest rates, averaging $124 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland FR Bond | $264 |
| SECURA Insurance | $1,209 |
| Utica National Ins Group | $1,042 |
| Mercury Insurance | $1,346 |
| Jupiter Auto Insurance | $124 |
| American National P&C | $1,094 |
| NatGen Custom 360 | $134 |
| Safeco | $156 |
| Kemper Auto Premium | $1,349 |
| Titan | $978 |
2015 Dodge Charger Insurance Rates
The average annual insurance cost for a 2015 Dodge Charger is $932. However, Safeco offers the cheapest rates, averaging $130 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $827 |
| Concord Group | $1,305 |
| Jupiter Auto Insurance | $194 |
| SafeAuto | $1,420 |
| SECURA Insurance | $1,028 |
| American National P | $1,348 |
| Texas Farm Bureau Group | $1,433 |
| Mercury Insurance | $610 |
| Safeco | $130 |
| Utica National Ins Group | $1,028 |
2014 Dodge Charger Insurance Rates
The average annual insurance cost for a 2014 Dodge Charger is $683. However, Safeco offers the cheapest rates, averaging $84 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $1,055 |
| Mercury Insurance | $679 |
| AssuranceAmerica | $140 |
| Dairyland Auto 1 Month | $728 |
| Safeco | $84 |
| Ameriprise Group | $1,003 |
| Loya Insurance | $529 |
| NatGen Custom 360 | $324 |
| North Carolina Farm Bureau | $1,079 |
| Texas Farm Bureau Group | $1,210 |
2013 Dodge Charger Insurance Rates
The average annual insurance cost for a 2013 Dodge Charger is $764. However, Safeco offers the cheapest rates, averaging $133 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $967 |
| Victoria | $787 |
| Mercury Insurance | $875 |
| Safeco | $133 |
| Clearcover | $1,062 |
| NatGen Advantage | $1,152 |
| Titan | $1,021 |
| AssuranceAmerica | $415 |
| Kemper Auto Premium | $721 |
| Loya Insurance | $509 |
2012 Dodge Charger Insurance Rates
The average annual insurance cost for a 2012 Dodge Charger is $660. However, Safeco offers the cheapest rates, averaging $146 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $473 |
| Kemper Auto Premium | $555 |
| Safeco | $146 |
| Mercury Insurance | $394 |
| North Carolina Farm Bureau | $920 |
| Dairyland FR Bond | $789 |
| Kemper Auto | $792 |
| Ameriprise Group | $1,022 |
| Dairyland Broadform | $498 |
| Buckeye Insurance Group | $1,006 |
2011 Dodge Charger Insurance Rates
The average annual insurance cost for a 2011 Dodge Charger is $830. However, Safeco offers the cheapest rates, averaging $135 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $308 |
| Kemper Auto Premium | $895 |
| SECURA Insurance | $949 |
| Safeco | $135 |
| Titan | $1,125 |
| Clearcover | $1,060 |
| North Carolina Farm Bureau | $963 |
| Dairyland Broadform | $933 |
| Texas Farm Bureau Group | $1,100 |
| Utica National Ins Group | $833 |
2010 Dodge Charger Insurance Rates
The average annual insurance cost for a 2010 Dodge Charger is $290. However, Kemper Personal Insurance offers the cheapest rates, averaging $82 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $172 |
| MMG Insurance Company | $512 |
| Plymouth Rock | $340 |
| Kemper Personal Insurance | $82 |
| Kemper Auto Premier | $145 |
| Mercury Insurance | $468 |
| Dairyland FR Bond | $225 |
| Concord Group | $711 |
| Dairyland Broadform | $160 |
| Safeco | $88 |
Find Affordable Dodge Charger Insurance Rates
Is A Dodge Charger Expensive To Insure?
Insuring a Dodge Charger tends to be more expensive than the average cost for all cars. However, the exact amount you’ll pay for coverage depends on several factors, including your age, the car’s model year, your location, and other personal details.
Cost of Dodge Charger Car Insurance By Age
Age is a key factor in determining car insurance rates. Teen drivers generally face the highest premiums since they are statistically more likely to be involved in accidents than other age groups. As you grow older and become a lower insurance risk, your premiums typically decrease.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $6,715 | $9,776 | $11,450 |
| 18 | $6,227 | $9,174 | $10,659 |
| 19 | $5,505 | $8,041 | $9,421 |
| 20 | $4,808 | $7,049 | $8,218 |
| 21 | $4,051 | $5,919 | $6,881 |
| 22 | $3,873 | $5,694 | $6,733 |
| 23 | $3,380 | $5,010 | $5,889 |
| 24 | $3,237 | $4,816 | $5,562 |
| 25 | $2,832 | $4,097 | $4,856 |
| 30 | $2,207 | $3,252 | $3,744 |
| 35 | $1,998 | $3,019 | $3,490 |
| 40 | $1,978 | $2,904 | $3,381 |
| 45 | $1,898 | $2,766 | $3,302 |
| 55 | $1,730 | $2,566 | $2,997 |
| 65 | $1,846 | $2,726 | $3,164 |
| 75 | $2,332 | $3,358 | $3,928 |
Dodge Charger Car Insurance Rates By State
Your location is a significant factor in how insurance companies determine rates. Each state has its own auto insurance regulations; for example, Michigan drivers often face higher premiums due to the state’s requirement for higher coverage levels.
Additionally, local climate conditions, such as the likelihood of hurricanes, storms, or flooding, can impact rates. Crime and accident statistics in your area, including car thefts, collisions, and fatality rates, are also taken into account. These elements all influence the cost of insuring your Dodge Charger.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,124 | $3,054 | $3,885 |
| Alaska | $1,699 | $2,362 | $2,309 |
| Arizona | $1,956 | $2,835 | $4,122 |
| Arkansas | $2,109 | $3,398 | $3,670 |
| California | $2,376 | $4,225 | $2,385 |
| Colorado | $2,233 | $3,145 | $3,976 |
| Connecticut | $2,800 | $4,435 | $5,588 |
| Delaware | $2,336 | $3,168 | $4,070 |
| Florida | $2,812 | $3,828 | $5,003 |
| Georgia | $2,277 | $3,379 | $3,401 |
| Hawaii | $902 | $1,229 | $886 |
| Idaho | $1,566 | $2,131 | $2,576 |
| Illinois | $1,612 | $2,457 | $2,823 |
| Indiana | $1,698 | $2,600 | $2,944 |
| Iowa | $1,346 | $1,827 | $2,221 |
| Kansas | $1,810 | $2,627 | $3,063 |
| Kentucky | $2,558 | $3,779 | $4,501 |
| Louisiana | $3,317 | $5,007 | $5,424 |
| Maine | $1,221 | $1,789 | $2,604 |
| Maryland | $2,077 | $2,946 | $3,261 |
| Massachusetts | $1,675 | $2,845 | $1,604 |
| Michigan | $3,976 | $5,975 | $9,504 |
| Minnesota | $1,608 | $2,200 | $3,012 |
| Mississippi | $1,952 | $2,764 | $2,768 |
| Missouri | $1,879 | $2,626 | $3,444 |
| Montana | $1,905 | $2,659 | $3,046 |
| Nebraska | $1,620 | $2,338 | $2,501 |
| Nevada | $2,577 | $3,862 | $4,120 |
| New Hampshire | $1,831 | $2,844 | $3,626 |
| New Jersey | $1,994 | $3,104 | $4,143 |
| New Mexico | $2,057 | $3,074 | $3,145 |
| New York | $1,913 | $2,411 | $4,035 |
| North Carolina | $1,156 | $2,018 | $1,400 |
| North Dakota | $1,643 | $2,421 | $2,937 |
| Ohio | $1,389 | $2,189 | $2,275 |
| Oklahoma | $2,333 | $3,322 | $3,710 |
| Oregon | $2,051 | $2,821 | $3,332 |
| Pennsylvania | $1,715 | $2,597 | $3,054 |
| Rhode Island | $2,887 | $4,340 | $4,872 |
| South Carolina | $2,002 | $2,795 | $3,828 |
| South Dakota | $1,831 | $2,525 | $3,011 |
| Tennessee | $2,107 | $3,118 | $4,084 |
| Texas | $2,081 | $3,007 | $3,769 |
| Utah | $1,762 | $2,564 | $3,501 |
| Vermont | $1,434 | $2,095 | $2,209 |
| Virginia | $1,256 | $1,954 | $1,933 |
| Washington | $1,724 | $2,371 | $2,759 |
| West Virginia | $1,712 | $2,479 | $3,102 |
| Wisconsin | $1,709 | $2,696 | $3,055 |
| Wyoming | $1,591 | $2,313 | $2,419 |
Find Affordable Dodge Charger Insurance Rates
Cheapest Car Insurance Companies For A Dodge Charger
If you’re in the market for a new car insurance policy for your Dodge Charger, identifying the most affordable providers is essential. MetroMile offers an average premium of $27 per month, making it the cheapest option for Dodge Charger drivers. However, insurance rates vary depending on your driver profile, so this is only an average estimate. To find the best rates tailored to your needs, it’s recommended to shop around and compare quotes from multiple providers.
| Company | Average Monthly Rate |
| MetroMile | $27 |
| Multi-State | $60 |
| StateAuto | $54 |
| Nationwide | $60 |
| American Family | $56 |
Common Dodge Charger Insurance Discounts
Taking advantage of discounts is an excellent way to reduce your car insurance expenses. While specific discounts vary by provider, some common ones include:
- Multi-policy Discount: Save by bundling your home and auto insurance with the same company.
- Annual Payment Discount: Receive a lower rate by paying your premium in full rather than in monthly installments.
- Defensive Driving Discount: Completing a certified defensive driving course can make you eligible for reduced rates.
Additional discounts may be available, so it’s a good idea to consult with your insurance agent to identify any savings opportunities tailored to your situation.
Ways To Save On Dodge Charger Insurance Costs
Keeping a clean driving record is one of the most effective ways to reduce your Dodge Charger insurance premiums. A single speeding ticket can increase monthly costs to approximately $126, while multiple accidents may push premiums to an average of $164 per month. Avoiding such incidents can significantly lower your insurance expenses.
Another factor affecting premiums is annual mileage. Drivers with low mileage are considered less risky and pay less for coverage. For example, Dodge Charger owners driving 5,000–7,500 miles annually pay about $96 per month, whereas those exceeding 10,000 miles annually face higher costs, averaging $113 per month. Reducing mileage can be an additional strategy for saving on insurance.
Compare Dodge Charger To Other Dodge Models
Looking for other Dodge model insurance costs?
Our Methodology
To determine average car insurance costs, Insuranceopedia compiled thousands of quotes from top auto insurance providers. The sample profile used was a 40-year-old male purchasing full-coverage insurance with the following limits: $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. However, these figures may not align perfectly with your personal circumstances, as individual factors can lead to variations in insurance rates.
Quotes Analyzed
Brands Reviewed
Research Hours
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FAQs
Do You Need Insurance Before You Can Purchase A Dodge Charger?
You must provide proof of insurance before driving your Dodge Charger off the dealership lot. The ideal approach is to purchase an insurance policy beforehand and notify your provider about your upcoming vehicle purchase. This is often a better option than obtaining insurance directly through the dealership.
How Can You Get The Cheapest Insurance For Your Dodge Charger?
To secure the most affordable rates for your Dodge Charger, it’s essential to shop around and compare quotes from various auto insurance providers. Platforms like Insuranceopedia make this process easy by offering the ability to compare multiple quotes directly on their website.
