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How Much Would Car Insurance Cost for a Dodge Charger? (2022)


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No matter what vehicle you drive, auto insurance is required by nearly every state. If you are thinking of getting a Dodge Charger, you may have asked yourself, “How much would car insurance cost for a Dodge Charger?” This guide will explore the average costs, as well as what specific factors affect your insurance rate.

Our team reviewed each major insurance provider to find the best auto insurance companies. You can get a free quote from several of these companies by simply entering your zip code in the box above.

Average Insurance Rates for a Dodge Charger

As you explore how much car insurance would cost for a Dodge Charger, remember that rates will vary based on several factors. Some of the most important factors include how old your Charger is, its configuration and its mileage. That being said, you can expect to pay about $2,076 for a year of insurance for a 2019 Dodge Charger.

To put this in perspective, consider that the average cost of insurance for one year in the United States is $1,592 in 2021. This puts the cost to insure a Dodge Charger just above the national average for sedans of its size.

What Impacts the Cost of Insurance for a Dodge Charger?

As with any other auto, the cost of insurance for a Dodge Charger will depend on a long list of factors, including:

  • Vehicle configuration (such as a SRT Hellcat, Dodge Charger SXT, LT, SRT8, Scat Pack, etc.)
  • Vehicle age
  • Mileage on the car
  • Miles driven annually
  • Location
  • Years of driving experience
  • Marital status
  • Age
  • Credit score
  • Driving record
  • Available discounts

How Dodge Charger Safety Features Affect Auto Insurance Costs

The safety features that you have on your Dodge Charger will also affect your car insurance rates. Some providers offer discounts on insurance if your vehicle has enhanced safety features. Every safety feature, including airbags, can make a difference in your Dodge Charger auto insurance cost.

In the case of the Dodge Charger, this is mostly good news. The IIHS safety ratings for this sedan gave it a high score on most crashworthiness tests. It also earned the top “Good” rating for moderate overlap front, side and head restraints and seat and roof strength tests. It did, however, only receive a “Marginal” rating for small overlap front on the driver side. Insurance companies will not appreciate the “Poor” rating that the car model received for the headlights.

However, if you opt for a Charger with the optional front crash prevention system, your insurance company may offer you a discount, as the IIHS rates this system as being “Superior.”

How to Save on Dodge Charger Insurance

If you are in search of cheap auto insurance for your Dodge Charger, then you may be disappointed by the seemingly high cost. However, there are numerous discounts you may be eligible for to reduce your car insurance rates. Remember that each insurance company offers slightly different discounts. 

Some discounts to look for include:

  • Bundling auto and home insurance
  • Bundling multiple auto insurance policies
  • Low mileage discounts
  • Discounts for good credit scores
  • Discounts for taking a defensive driving course
  • Discounts for taking a driver’s education course
  • Good student discounts
  • Away-at-college discounts
  • Long-time customer discounts
  • Discounts for safety and security systems
  • Discounts for a clean driving record (overall or in the last few years)
  • Military discounts
  • Senior discounts
  • Discounts for membership in organizations
  • Discounts for electronic billing
  • Discounts based on your level of coverage (full coverage, liability, collision coverage, etc.)

If you have concerns about the Dodge Charger insurance cost, you can also reduce your coverage. Just make sure you meet the minimum coverage required by your state. This will likely be at least liability insurance.

You should also remember that you can reduce your monthly insurance premiums by opting for a higher deductible. Before doing so, however, make sure that you can afford to pay your deductible if the need arises. Do not go with the cheapest insurance if it will only end up costing you more in the long run.

The best method to save money and make the smartest decision is to first compare quotes from various car insurance companies. While insurers typically offer similar rates, there are variations. Comparing car insurance quotes lets you take advantage of these variations in order to ultimately pay less.

Our Recommendations for Auto Insurance

After extensive research, our team recommends GEICO, USAA and State Farm as the top auto insurance providers.

Remember that comparing prices across various providers is the most effective way to ensure that you get a good rate for the coverage you need. Use our quote tool below to get free, no-obligation quotes for Dodge Charger insurance rates and see for yourself.

GEICO: Best Overall

Whether you drive a Dodge Charger or another vehicle, GEICO is our best overall insurance provider. Our team awarded it 9.1 out of 10 after conducting a thorough evaluation. The company came in second place among providers for industry reputation, earning a 9.8 out of 10. GEICO also earned an 8.5 for coverage, 9.4 for cost, and 9.0 for customer experience.

USAA: Best Military Provider

For military members, veterans and their immediate families, we suggest considering USAA insurance. This provider earned an 9.6 rating overall from our team. Its lowest rating was still a very impressive 9.3, which it received for industry reputation and customer experience. USAA also earned a 9.5 for coverage and 10.0 for cost.

State Farm: Best Student Discounts

While State Farm stands out for its student discounts, it also offers affordable insurance policies to appeal to a range of Dodge Charger owners. Our team awarded State Farm an 9.1 out of 10. It narrowly holds the highest industry reputation rating among providers, a 9.9 out of 10. State Farm also earned an 9.0 for coverage and cost, along with a rating of 8.8 for customer experience.

FAQ: Insurance Rates for Dodge Chargers

How much does insurance cost for a Dodge Charger R/T?

The cost to insure a Dodge Charger R/T will depend on the model year, your driving history and other factors. You can expect to pay anywhere from about $600 to $3,700.

Are Dodge Chargers expensive to insure?

Yes, Dodge Chargers tend to be more expensive to insure than some other vehicles. That being said, your exact insurance quote will depend on your driving history, configuration and more. You may also be able to get discounts.

Is a Dodge Charger considered a sports car for insurance?

Yes, your insurance company will consider the Dodge Charger a sports car or muscle car. This is one of the factors contributing to why it costs more to insure than other sedans.


The Detroit Bureau collects data from every major car insurance provider to formulate rankings of the best insurers. Our in-depth rating system takes into account market share, coverage, auto insurance rate estimates generated by Quadrant Information Services, customer satisfaction and ratings from industry experts. Each insurer is given a weighted score in four categories, as well as an overall score out of 10.0.

We recommend auto insurance companies based on these rankings, but we also encourage you to perform your own research and compare quotes to find the best coverage.


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