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Cheapest Dodge Charger R/T Car Insurance (Mar 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Dodge Charger R/T
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Andrea Barrett
Expert Insurance Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Kianna Walpole, Expert Insurance Writer & Editor

How much does Dodge Charger R/T car insurance cost? 

On average, Dodge Charger R/T drivers spend $112 each month on state minimum car insurance, and $238 per month on full coverage insurance. Compared to other Dodge Charger models, the Dodge Charger R/T is 4% more expensive to insure. 
Many factors play a role in determining your Dodge Charger R/T car insurance costs, from your age and address to your driving record, insurance history, and coverage levels. The vehicle you own is just one piece of the calculations that insurance companies run when generating a quote. 

Compare the cheapest Dodge Charger R/T car insurance quotes

This may feel complicated, but it doesn’t have to be. As a trusted insurance broker and free quote comparison tool, Jerry is an essential resource for Dodge Charger R/T owners.
Check out the table below to see real, free quotes that real people have gotten from Jerry.
DateCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
March 25, 2024
Travelers
$119
• 100,000/300,000 Liability
• Comp / Collision
March 25, 2024
Allstate
$166
• 100,000/300,000 Liability
• Comp / Collision
March 22, 2024
AAA
$267
• State Minimum Liability
• Comp / Collision
March 11, 2024
Nationwide
$127
• 50,000/100,000 Liability
• Comp / Collision
March 10, 2024
Safeco
$113
• State Minimum Liability
• Comp / Collision
coverageLast Updated Mar 25, 2024
It’s important to remember that auto insurance rates can vary significantly, even for the same car model and trim. For instance, driver age has a major impact on rates: an 18-year-old driver will pay a much higher premium for a t Dodge Charger R/T insurance policy than a 30-year-old driver. 
While
average rates
are helpful, shopping for
personalized quotes
is the best way to find out how much you can expect to pay for t Dodge Charger R/T car insurance.

The best car insurance companies for Dodge Charger R/T owners

There is no best car insurance company for all Dodge Charger R/T owners. That’s because car insurance quotes are based on factors unique to you—your age, your address, your driving history, your deductibles, and more. 
The cheapest insurance company for one Dodge Charger R/T driver might give higher quotes to another person—even though they’re insuring the exact same model and trim.  
Besides price, you also need to consider other factors such as claim handling and customer service. 
To help drivers better compare different
car insurance companies
, Jerry’s conducted the largest insurance shopping survey in the nation to learn about drivers’ satisfaction with the prices, customer service, claims handling, and overall experience of different auto insurance companies.
 The table below shows how Dodge Charger R/T drivers rate different companies.

Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco
4.6
4.4
4
4.5
Travelers
4.5
4.2
4.4
4.5
Progressive
4.3
3.9
3.9
4.3
AAA
4.2
4
3.8
4.4
Allstate
4.2
3.6
3.8
4.2
USAA
4
3.5
4.5
4.2
State Farm
4
3.4
3.8
4.2
Farmers
4
3.4
4.1
3.9
Geico
3.9
3.3
3.9
4
Liberty Mutual
3.7
3.2
3.5
3.7
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

How much does Dodge Charger R/T insurance cost?

From our experience helping lots of Dodge Charger R/T drivers lower their car insurance rates, we found that the average cost of minimum liability coverage is $112 per month or $1,344 per year. 
The average cost for full coverage insurance is $238 per month or $2,856 per year.
Insurance CoverageAverage insurance cost (monthly)Average insurance cost (yearly)
State minimum coverage
$112
$1,344
Full coverage
$238
$2,856

How much car insurance do you need for a Dodge Charger R/T?

Minimum coverage insurance
is the minimum amount of coverage legally required in your state, which typically includes basic liability insurance. 
Full coverage insurance
, on the other hand, provides financial protection for damage to yourself, your vehicle, and other vehicles and passengers involved in an accident.

How do Dodge Charger R/T insurance quotes compare to other Dodge Charger car insurance rates?

When calculating the cost of insurance premiums, insurers consider both driver-specific and vehicle-specific factors. While factors like your driving record, age, and location can increase or decrease rates above the average, your vehicle’s trim level also has a big influence. 
The Dodge Charger has five trim levels—SXT, GT, R/T, Scat Pack, and SRT Hellcat Widebody. In terms of features and cost, the R/T sits right in the middle, offering drivers the perfect blend of comfort and performance. 
Some trim levels are more expensive to insure than others due to larger engines, more features, and higher MSRPs.
In short, high-performance vehicles with larger and more powerful engines are a higher risk for insurers and cost more to insure. Similarly, cars with more luxury and tech features have higher repair and replacement costs and are more expensive to insure.
For example, the Charger R/T has a 5.7-liter V8 engine generating 370 horsepower. Compared to the SXT and GT, which have a 3.6-liter V6 engine producing 292 horsepower, the R/T is a higher risk for insurers and would have higher insurance rates. 
But the R/T doesn’t have the most powerful engine of the lineup—the SRT Hellcat Redeye's stocked with an ultra-powerful supercharged 6.2-liter V8 engine generating 797 horsepower. With power of that caliber, insurers charge rates through the roof to offset the costs they would be liable for in the event of a collision. 
The MSRP of your Charger will also influence how much you’ll pay to insure it. In general, more expensive cars come with higher insurance costs. Because the R/T is the middle-offering of the Charger lineup, it likely sees higher insurance rates than the SXT and GT but lower rates than the Scat Pack, SRT Hellcat Widebody, Hellcat Redeye, and SRT Hellcat Jailbreak.
Check out the table below to see how car insurance rates for the Dodge Charger R/T compare to other Charger trim levels.
Car Model & TrimAverage State Minimal Insurance CostAverage Full Coverage Insurance Cost
$70
$293
Charger Rallye
$99
$236
$104
$192
$106
$284
Charger SE
$107
$206
$108
$236
$109
$227
Charger Charger
$111
$206
$112
$238
$114
$249
$114
$263
$117
$250
$118
$249
$142
$205
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Dodge Charger R/T insurance cost by model year

Your Dodge Charger R/T insurance costs depend in part on when your vehicle was manufactured—i.e., the model year.
Newer models tend to be more expensive to insure, thanks to a higher cash value and hard-to-replace tech. If you drive an older Dodge Charger R/T model, you’ll likely pay a lower rate.

2023 Dodge Charger R/T car insurance quotes

Unfortunately, newer cars can tend come with higher car insurance rates. Here's what Jerry drivers pay to insure their 2023 Dodge Charger:
CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Bristol West
$125
• State Minimum Liability
coverageLast Updated Mar 28, 2024

2022 Dodge Charger R/T car insurance quotes

It's important to remember that car insurance rates are as unique at the drivers themselves. The best way to understand how much you might pay is to compare real quotes like the ones below from different insurance companies. Check out some real quotes Jerry compared for 2022 Dodge Charger R/T drivers below:
CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Allstate
$272
• 50,000/100,000 Liability
• Comp / Collision
AAA
$339
• 100,000/300,000 Liability
• Comp / Collision
Bristol West
$236
• State Minimum Liability
• Comp / Collision
State Auto
$370
• State Minimum Liability
• Comp / Collision
National General
$73
• State Minimum Liability
coverageLast Updated Mar 23, 2024

2021 Dodge Charger R/Tcar insurance quotes

Jerry compares quotes from over 55+ top insurance companies for you. Compare some real examples of what Jerry drivers pay to insure their 2021 Dodge Charger R/T:
CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$257
• 50,000/100,000 Liability
• Comp / Collision
Progressive
$301
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$335
• State Minimum Liability
• Comp / Collision
Allstate
$174
• 50,000/100,000 Liability
• Comp / Collision
Bristol West
$524
• State Minimum Liability
• Comp / Collision
coverageLast Updated Mar 26, 2024
If your car is more than 3 years old, you may be able to find cheaper car insurance. Here's how much Jerry drivers with Dodge Charger R/T that's at least 3 years old pay:

2020 Dodge Charger R/T car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$92
• 50,000/100,000 Liability
Allstate
$107
• State Minimum Liability
Nationwide
$127
• 50,000/100,000 Liability
• Comp / Collision
AAA
$205
• State Minimum Liability
• Comp / Collision
Mercury
$283
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Mar 24, 2024

2019 Dodge Charger R/T car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$202
• 50,000/100,000 Liability
• Comp / Collision
Nationwide
$332
• 100,000/300,000 Liability
• Comp / Collision
Clearcover
$445
• State Minimum Liability
• Comp / Collision
Infinity
$347
• State Minimum Liability
• Comp / Collision
Bristol West
$154
• No Coverage Liability
coverageLast Updated Mar 28, 2024

2018 Dodge Charger R/T car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Nationwide
$110
• 50,000/100,000 Liability
• Comp / Collision
Safeco
$106
• State Minimum Liability
• Comp / Collision
Travelers
$197
• 50,000/100,000 Liability
• Comp / Collision
AAA
$387
• State Minimum Liability
• Comp / Collision
Plymouth Rock
$196
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Mar 25, 2024

2017 Dodge Charger R/T car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$445
• State Minimum Liability
• Comp / Collision
Safeco
$205
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$233
• State Minimum Liability
• Comp / Collision
Allstate
$233
• 50,000/100,000 Liability
• Comp / Collision
National General
$128
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Mar 26, 2024

2016 Dodge Charger R/T car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$174
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$165
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$191
• State Minimum Liability
• Comp / Collision
Travelers
$275
• 50,000/100,000 Liability
• Comp / Collision
Gainsco
$554
• State Minimum Liability
• Comp / Collision
coverageLast Updated Mar 25, 2024

2015 Dodge Charger R/T car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Allstate
$198
• 50,000/100,000 Liability
• Comp / Collision
Safeco
$118
• 100,000/300,000 Liability
• Comp / Collision
Gainsco
$326
• State Minimum Liability
• Comp / Collision
National General
$252
• State Minimum Liability
• Comp / Collision
State Auto
$351
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Mar 26, 2024

2014 Dodge Charger R/T car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Progressive
$262
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$149
• State Minimum Liability
• Comp / Collision
Clearcover
$173
• 100,000/300,000 Liability
• Comp / Collision
National General
$138
• State Minimum Liability
Bristol West
$207
• 25,000/50,000 Liability
coverageLast Updated Mar 22, 2024

2013 Dodge Charger R/T car insurance quotes

CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Travelers
$145
• 50,000/100,000 Liability
• Comp / Collision
Nationwide
$263
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$108
• State Minimum Liability
Allstate
$205
• 20,000/40,000 Liability
• Comp / Collision
State Auto
$215
• 25,000/50,000 Liability
• Comp / Collision
coverageLast Updated Mar 27, 2024

Are Dodge Charger R/Ts expensive to insure? 

Compared to the national average for other models from a similar price range, car insurance for a Dodge Charger is 5% more expensive.
Car insurance rates are highly variable and consider several features of your vehicle. For example, a vehicle used for performance purposes will cost more to insure than an everyday driver due to higher risk. 
Though the Charger R/T might not be considered a “legal street racing car” in the eyes of insurers, the powerful 5.7-liter V8 engine generating 370 horsepower comes with a higher risk than vehicles with smaller and less powerful engines. As a result, insurance costs tend to be higher.
The features in your Charger R/T will also influence how much you’ll pay to insure it. As the mid-level trim, the R/T comes well-equipped with sport suspension, 20-inch wheels, an 8.4-inch infotainment touchscreen, and an upgraded audio system. In the event of an accident, more tech and luxury features translate to a higher payout from insurers. To offset the costs, insurance companies charge higher rates. 
The cost to insure a Dodge Charger R/T varies based on several factors. However, drivers can expect higher insurance costs than the average vehicle due to a larger and more powerful engine, more features, and a higher MSRP.
Take a look at the table below to see how auto insurance rates for the Dodge Charger R/T stack up against other Dodge models:
ModelAverage State Minimal Insurance CostAverage Full Coverage Insurance Cost
$46
$245
Dodge 600
$49
$64
Dodge Stratus
$49
$190
$60
$64
Dodge D150
$64
$174
$68
$218
$71
$162
$75
$115
$81
$114
Dodge W-Series
$81
$112
$82
$118
$84
$120
$86
$194
$90
$149
$90
$137
$91
$376
Dodge Dart
$91
$186
$98
$168
$110
$244
$111
$206

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Andrea Barrett
Andrea Barrett is an insurance writer with five years of experience in writing and publishing. Andrea specializes in car insurance, maintenance, and brand reviews, and her mission is to create comprehensive and useful content readers can use to help lower their car-related expenses. Andrea has written nearly 1,500 articles for Jerry on topics ranging from first-time buyer programs to insurance costs and vehicle life expectancies.
Before joining Jerry, Andrea co-founded a successful health food business and created content for clients in the health and wellness industry.
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Kianna Walpole
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Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.