Best Car Insurance for Dodge Charger SXT 2022

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Best insurance for Dodge Charger SXT

One of the biggest factors determining your auto insurance rates is the model of car you drive. When setting your insurance premiums, providers consider how much it will cost them to replace or repair your vehicle.
Within each make, insurance premiums will vary as well because each model will have a different price, safety rating, and reliability standard—all of which impact your car insurance premiums.
Jerry is the insurance broker app that helps people save money on their car insurance quickly and easily.
Drivers save as much as 30% per year insuring their Dodge Charger SXT when they switch insurance providers with Jerry.
Want more proof? Here are some real quotes for Dodge Charger SXT drivers after switching with Jerry.
Quote DateZip CodeStateCityAgeInsurance Company
Before Jerry
After Jerry
2021-09-0629316SCBoiling Springs30Gainsco$2,940$1,728
2021-01-3072802ARRussellville23Nationwide$3,252$2,136
2021-04-0379705TXMidland25Allstate$2,580$1,284
2021-07-3179938TXEl Paso40Progressive$1,728$1,488
2021-08-0430281GAStockbridge36ClearCover$5,328$4,116
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

How much does it cost to insure a Dodge Charger SXT

The average annual cost to insure a Dodge Charger SXT is $3,315, which is $22 lower than the average annual cost to insure Dodges. The base cost of your vehicle will make an impact on your insurance rates—in general, a more expensive car will have higher coverage costs.
The price of your premiums also is impacted by what coverage you choose.
No-fault states require you to carry personal injury protection, as well. This coverage kicks in to pay for your party’s medical bills and lost income no matter who caused the accident.
Other states may mandate uninsured motorist coverage which will cover your costs if you are in an accident with an uninsured or underinsured driver.
Most states also require varying amounts of liability insurance, which covers damage to other drivers (bodily injury liability) and their cars (property damage liability) if you are at fault in an accident.

Insurance coverage to consider for a Dodge Charger SXT

While the mandatory liability coverage will be the cheapest option to insure your Charger SXT, it’s a good idea to carry more than the minimum insurance.
Most drivers will opt for full-coverage insurance, which will further protect you and your car if you’re in an accident or your car is damaged by another event.
Full-coverage insurance includes: Collision coverage, which pays for damage to your vehicle that happens as a result of an accident with another vehicle or stationary object Comprehensive coverage, which pays for damages not due to a collision, such as vandalism or severe weather

What determines your car insurance cost for a Dodge Charger SXT

In addition to the car you drive and the policy you choose, other factors will have a major impact on your monthly premiums. Providers will consider your demographics, as well as features specific to your vehicle when determining your rates.
Here are some factors that may impact your auto insurance premiums.

Your age

The cost of insurance for a Dodge Charger SXT will vary depending on your age. In general, drivers will have higher auto insurance premiums than older drivers because of their lack of driving experience and the higher accident rate for drivers under 25. That said, teenage drivers will see higher insurance rates for a Dodge Charger SXT than 20-year-old drivers as costs will continue to decrease as drivers gain experience. Here are average costs of insurance for Jerry customers who drive a Dodge Charger SXT:
Age Groups
Average Cost
Annual Savings with Jerry
18-20$4,158$1,285
21-24$4,195$1,273
25-34$3,276$859
35-44$3,569$1,142
45-54$3,063$1,175
55-64$1,680$282

The year of your car

Not only does your age impact the rate you pay for your car insurance premiums, but your car’s age also is a factor. Because cars depreciate over time—generally losing 60% of their value in the first five years—the cost of car insurance premiums for a Dodge Charger SXT will be lower for an older car. These are real quotes Jerry has found for drivers of a Dodge Charger SXT based on model year:
Model year
Average Cost
Annual Savings with Jerry
2021$4,571$1,528
2020$3,147$966
2019$3,498$911
2018$4,115$1,457
2017$3,278$902
2016$4,210$1,721
2015$3,948$1,142
2014$3,555$1,071
2013$3,700$966
2012$4,211$1,524

Your carrier

While all insurance companies will consider similar factors when setting your car insurance premiums, each provider uses its own formula to set your rates. Therefore, you can find drastically different premiums depending on the provider—even for the exact same coverage. It’s smart to compare policies from multiple providers before purchasing insurance so you know you’re always getting the best price for the coverage you need. Here are quotes for Jerry users who drive a Dodge Charger SXT with different carriers:
Insurance company
Average Cost
Annual Savings with Jerry
Gainsco$3,954$1,374
Infinity$2,564$1,261
Nationwide$3,179$1,247
Allstate$3,601$1,171
Dairyland$3,419$1,007
National General$3,239$990
Progressive$3,338$902
Electric$2,798$831
Safeco$2,841$708
Bristol West$3,030$585

Trim levels and vehicle materials

The Dodge Charger SXT comes in several trim levels—versions of the same car with different features—and opting for a higher trim could mean you’re getting a car with more premium features.
However, those upgrades will come at an extra cost. Not only will the cost of your vehicle be higher, but premium qualities—like a flashy infotainment system, higher horsepower engine, or luxury finishings—will raise your insurance costs, as well. Furthermore, some features—like an upgraded sound system—will require their own insurance policy in case of damage, theft, or vandalism.
If you’re looking to save money on car insurance, it may be a good idea to stick to the base trim for a Dodge Charger SXT.

How can I save money when insuring my Dodge Charger SXT

You want to look after your car, but you don’t want to pay too much—that makes sense. Luckily, we’ve put together a few tips on how to cut costs when insuring your Dodge Charger SXT.

Comparison shop

Comparison shopping is the best way to save money on car insurance. Usually, that would mean filling out a ton of forms, making copious phone calls, and spending hours talking to agents.
But with Jerry, it doesn’t have to be that complicated. Jerry is the easiest and most effective way to find a car insurance policy that is customized for you. After providing you with a comprehensive cross-analysis of the best policies across providers, Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to.
Key Takeaway Comparison shopping with Jerry is the easiest way to ensure you’re getting the best rate for the insurance coverage you want.

Skip the extra features

Although the Charger SXT is the base model, there are still add ons that can be thrown in to drive the price of the car up. Additions such as a sunroof, remote engine start, Wi-Fi hotspot, and premium soundsystem can all be thrown in for some more cash.
While those additions might be nice, extra features tend to drive insurance prices up. Some soundsystems even require their own packages! You can cut costs on insurance by saving on the extras.

Invest in anti-theft and safety features

Better safety features tend to minimize the likelihood of a collision. And insurers might be inclined to give you a discount if your car is equipped with the facilities to avoid a major accident.
The Dodge Charger SXT, despite being a base model, comes with an excellent range of safety features. Buyers can expect perks such as:
  • Traction Control
  • Electronic stability control
  • Traction control
  • Four wheel drive
That’s not a bad selection for a base model, and some extras can be thrown in, such as lane assist, forward collision warning, and blind spot monitoring. While they cost extra, spending a little more on the premium safety package may well drive insurance prices down—although they’re not entirely essential.
The Charger SXT also comes with a sophisticated anti-theft system that prevents the car from starting if the wrong key is used, and also triggers an alarm if an unauthorized entry is detected.

Keep a clean record

This is perhaps the easiest way of keeping your insurance costs down—all you have to do is prove that you’re a safe driver! This means as few tickets and violations as possible.
The more reliable you are, the lower your premiums will be. Keep your record clean, and your rates could shrink significantly.

Look for discounts

Insurance companies offer tons of discounts these days. Some of the most common discounts include bundling policies or multiple vehicles, not making any claims, paying your premium upfront, and switching to paperless billing.
Remember, not all insurance companies advertise every discount—so it never hurts to ask.

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