Cheapest Dodge Charger Car Insurance (2025)

Written by Kianna Walpole and 2 others
Updated Jan 13, 2025
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Cheapest Dodge Charger Car Insurance (2025)

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How much does Dodge Charger car insurance cost?

On average, Dodge Charger drivers spend $110 each month on state minimum car insurance and $231 per month for full coverage. Compared to other popular cars like the Bmw X3, Mercedes-Benz GLB, and Jeep Gladiator, the Dodge Charger is 19% more expensive to insure.

However, there is no real ‘average’ cost of car insurance as your price depends on your driver profile. Many factors play a role in determining your Dodge Charger insurance costs, from the trim level you own to your car’s age. The only way to understand how much your car insurance will cost is to compare car insurance quotes

Compare the cheapest Dodge Charger car insurance quotes

This may feel complicated, but it doesn’t have to be. Jerry is a car insurance price comparison tool that helps you to easily compare quotes, saving you time and money. Jerry has helped Dodge Charger drivers save an average of $1,601 per year on their car insurance.

Check out the table below to see real, free quotes that real people have gotten from Jerry.

Date
Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
January 20, 2025 Dodge Charger Sxt Commonwealth Insurance $76 Ora, 43, Hillsboro, TX State Minimum No
January 20, 2025 Dodge Charger Se National General $255 Angel, 39, Baton Rouge, LA State Minimum No
January 20, 2025 Dodge Charger Sxt Bristol West $251 Beulah, 33, Hanford, CA 30/60 Yes
January 20, 2025 Dodge Charger Sxt Gainsco $203 Hannah, 52, Jesup, GA State Minimum Yes
January 20, 2025 Dodge Charger Scat Pack Bristol West $394 Martin, 33, Sacramento, CA 30/60 Yes
Last Updated Jan 22, 2025

However, insurance costs can vary greatly even for the same model. In addition to your driving record, ZIP code, and insurance history, insurance companies will consider your car’s model year and trim level when generating a quote.

To find out the rate for your Dodge Charger, you’ll need to get car insurance quotes from at least three insurance companies.

The best car insurance companies for Dodge Charger owners

There’s no single best insurance company for all Dodge Charger owners—car insurance rates are highly personalized, and every insurance company uses a slightly different algorithm to calculate your premiums.

But that doesn’t mean we can’t find the best insurance company for you.

Jerry conducted the largest survey in the nation to help people compare car insurance companies. Check out how drivers rate different insurance companies below.

Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco4.64.444.5
Travelers4.54.24.44.5
Progressive4.33.93.94.3
AAA4.243.84.4
Allstate4.23.63.84.2
USAA43.54.54.2
State Farm43.43.84.2
Farmers43.44.13.9
Geico3.93.33.94
Liberty Mutual3.73.23.53.7

How we gathered this data

Jerry conducted one of the largest car insurance surveys in the U.S., gathering insights from 45,000 policyholders across all 50 states over 24 months. These policyholders, insured by 87 different companies, shared their experiences to help us assess satisfaction in key areas: policy cost, customer service, buying and renewal processes, and claims handling. All scores reflect feedback from real customers.

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

The average cost of Dodge Charger insurance is $231 per month for full coverage and $110 for state minimum coverage– but individual quotes can vary greatly depending on a variety of factors including model year, trim level, driving history coverage levels, and more.

CarAverage Full Coverage Insurance CostAverage State Minimum Insurance Cost
Dodge Charger$231$110
  • Minimum coverage insurance is the minimum amount of coverage legally required in your state, which typically includes at least bodily injury and property damage liability insurance.
  • Full coverage insurance provides financial protection for damage to yourself, your vehicle, and other vehicles and passengers involved in an accident.

While knowing auto insurance averages can be useful, getting personalized quotes is the best way to shop for insurance. Jerry makes quote shopping easy, finding you the best coverage at the best rate.

Why are some trims more expensive to insure than others?

Repair and replacement costs tend to be higher for premium trim levels, making them a higher risk to insurance companies.

Check out the table below to see the average cost of auto insurance for some popular Dodge Charger trims.

CarMonthly minimum coverage costMonthly full coverage cost
Charger Dodge$111$206
Charger Dodge GT$114$249
Charger Dodge Police$117$250
Charger Dodge R/T$112$238
Charger Dodge R/T 392$108$236
Charger Dodge R/T Scat Pack$142$205
Charger Dodge Rallye$99$236
Charger Dodge Scat Pack$114$263
Charger Dodge SE$107$206
Charger Dodge SRT 392$106$284
Charger Dodge SRT Hellcat$70$293
Charger Dodge SRT-8$104$192
Charger Dodge SXT$109$227
Charger Dodge SXT Plus$118$249

Dodge Charger insurance cost by model year

The more recently your Dodge Charger was manufactured, the more it’ll cost to insure. New models are worth more and often have higher repair costs thanks to cutting-edge technology. Check out some see real quotes for Dodge Chargers provided by Jerry to better understand how your driver profile might affect your cost.

2023 Dodge Charger car insurance quotes

Unfortunately, newer cars can also come with higher car insurance rates. Here’s what Jerry drivers pay to insure their 2023 Dodge Charger:

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Charger 2023 Trexis $410 Mildred, 40, Gainesville, GA State Minimum Yes
Charger 2023 Trexis $272 Luke, 31, Birmingham, AL 50/100 Yes
Charger 2023 Trexis $359 Rosa, 57, Trumann, AR 25/50 Yes
Charger 2023 Progressive $867 Joseph, 24, New Braunfels, TX State Minimum Yes
Charger 2023 Bristol West $132 Susan, 29, Paramount, CA 30/60 No
Last Updated Jan 21, 2025

2022 Dodge Charger 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 drivers below:

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Charger 2022 The General $1,141 Anne, 21, Aubrey, TX State Minimum Yes
Charger 2022 Bristol West $370 Margaret, 24, Orlando, FL No Coverage Yes
Charger 2022 Dairyland $113 Trevor, 28, Pittsburg, CA 30/60 No
Charger 2022 First Acceptance $300 Gary, 47, Macon, GA State Minimum No
Charger 2022 National General $302 Matilda, 36, Charlotte, NC State Minimum Yes
Last Updated Jan 22, 2025

2021 Dodge Charger car 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:

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Charger 2021 Bristol West $381 Eddie, 29, San Jose, CA 30/60 Yes
Charger 2021 Trexis $783 Rebecca, 42, Griffin, GA State Minimum Yes
Charger 2021 Dairyland $861 Winnie, 23, West Columbia, SC State Minimum Yes
Charger 2021 Bristol West $136 Gavin, 28, Wichita, KS State Minimum No
Charger 2021 Bristol West $363 Eunice, 26, Jacksonville, FL No Coverage No
Last Updated Jan 21, 2025

If your car is more than 3 years old, you might be able to secure a cheaper car insurance rate. Check out how much Jerry drivers are paying to insure their year Dodge Charger with our real quote examples below:

2020 Dodge Charger car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Charger 2020 Bristol West $101 Kate, 30, Banning, CA 30/60 No
Charger 2020 Progressive $767 Jane, 21, Nashville, TN 50/100 Yes
Charger 2020 Bristol West $1,241 Effie, 29, Garnett, SC State Minimum Yes
Charger 2020 Progressive $533 Jean, 34, El Paso, TX State Minimum Yes
Charger 2020 National General $243 Mina, 27, Morrow, GA State Minimum No
Last Updated Jan 27, 2025

2019 Dodge Charger car insurance quotes

Car
Insurance Coverage
Premium (monthly)
Customer
Insurance Company
Has Full Coverage
Charger 2019 State Minimum $203 Hannah, 52, Jesup, GA Gainsco Yes
Charger 2019 30/60 $394 Martin, 33, Sacramento, CA Bristol West Yes
Charger 2019 State Minimum $263 Gabriel, 36, Hutto, TX Bristol West Yes
Charger 2019 State Minimum $225 Christina, 45, Lula, GA Trexis No
Charger 2019 30/60 $102 Leila, 30, Hesperia, CA Anchor General No
Last Updated Jan 22, 2025

2018 Dodge Charger car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Charger 2018 Bristol West $99 Micheal, 36, San Jose, CA 30/60 No
Charger 2018 Progressive $203 Walter, 32, Central Point, OR State Minimum Yes
Charger 2018 Dairyland $489 Bernice, 25, Houston, TX State Minimum Yes
Charger 2018 The General $290 Inez, 28, Reading, PA State Minimum Yes
Charger 2018 Embark General $450 Rosetta, 30, North Miami Beach, FL No Coverage No
Last Updated Jan 21, 2025

2017 Dodge Charger car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Charger 2017 The General $53 Luis, 49, Westworth Village, TX State Minimum No
Charger 2017 Safeco $534 Ophelia, 33, Columbia, SC State Minimum Yes
Charger 2017 Bristol West $542 Harriet, 27, Dorchester, MA State Minimum No
Charger 2017 Bristol West $919 Ruth, 46, Los Angeles, CA 30/60 Yes
Charger 2017 Progressive $98 Samuel, 31, Garden Grove, CA 30/60 No
Last Updated Jan 21, 2025

2016 Dodge Charger car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Charger 2016 National General $236 Jeffrey, 25, Apopka, FL No Coverage No
Charger 2016 National General $444 Verna, 50, Columbia, SC State Minimum Yes
Charger 2016 Progressive $140 Bradley, 41, Augusta, GA State Minimum No
Charger 2016 Progressive $343 Glenn, 54, San Marcos, TX State Minimum Yes
Charger 2016 Bristol West $552 Angel, 30, Highland, CA 30/60 Yes
Last Updated Jan 23, 2025

2015 Dodge Charger car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Charger 2015 The General $326 Juan, 40, Union City, GA State Minimum Yes
Charger 2015 Progressive $162 Viola, 49, Arlington, TX State Minimum No
Charger 2015 Trexis $229 Connor, 37, Royal, AR 25/50 Yes
Charger 2015 Progressive $306 Ryan, 41, Grand Prairie, TX State Minimum Yes
Charger 2015 Anchor General $247 Katherine, 33, Tulare, CA 30/60 Yes
Last Updated Jan 21, 2025

2014 Dodge Charger car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Charger 2014 Progressive $233 Ryan, 53, Long Beach, CA 50/100 Yes
Charger 2014 Bristol West $1,247 Rosalie, 30, Saint Louis, MO State Minimum Yes
Charger 2014 Progressive $104 Myra, 29, Oklahoma City, OK State Minimum No
Charger 2014 Mendota $221 Augusta, 41, Biloxi, MS State Minimum Yes
Charger 2014 Mendota $258 Lou, 32, Henderson, NV State Minimum No
Last Updated Jan 23, 2025

2013 Dodge Charger car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Charger 2013 Gainsco $130 Tommy, 28, Tallahassee, FL No Coverage No
Charger 2013 Progressive $259 Della, 44, Stuttgart, AR 25/50 Yes
Charger 2013 Progressive $353 Olive, 45, Pompano Beach, FL State Minimum Yes
Charger 2013 Dairyland $508 Louise, 31, Kansas City, MO State Minimum Yes
Charger 2013 Bristol West $458 Allie, 30, Louisville, KY State Minimum No
Last Updated Jan 21, 2025

Are Dodge Chargers expensive to insure?

The average Dodge Charger insurance rate is $110 per month. Compared to the national average for other models from a similar price range, it is 19% more expensive to insure a Dodge Charger .

CarMonthly minimum coverage costMonthly full coverage cost
Dodge Charger$110$231
Acura CL$94$158
GMC Denali$100$182
Ram 3500$86$225
Volvo XC60$116$174

Why are similar cars more or less expensive to insure? When calculating the cost of your insurance, insurance companies take many factors into consideration. MSRP, trim level, model year, and the cost of repairs are some of the many factors that can influence how much your insurance costs.

Dodge Charger safety features

The safety features of a model will also impact your insurance costs.

A vehicle with more advanced safety features poses a lower risk to insurance companies. As a result, insurance costs will be lower for vehicles with more (and better) safety features.

The Dodge Charger has a variety of safety features. Learn more about them below.

Safety featureDescription
Overhead airbagsOverhead airbags are used to protect the occupant’s heads in the event of a side collision or rollover.
Stability controlStability control automatically senses when the vehicles handling limits have been exceeded and reduces engine power and/or applies select brakes to help prevent the driver from losing control of the vehicle.
Anti-lock brakesABS brakes automatically sense when a tire has stopped rotating under extreme braking, and will modulate the brake pressure to allow the tire to rotate. This increases the vehicles ability to turn while braking.
Side impact airbagsSide impact airbags for the front seats have been designed to protect the torso during a side impact collision.
Security systemThe vehicle is equipped with an ignition disable device that will prevent the engine from starting if the correct original manufacturer key is not used.
Front-impact airbagsFront-impact airbags for the driver and passenger have been designed to protect the head during a frontal crash.
PretensionersSeatbelt pretensioners automatically tighten seatbelts to place the occupant in the optimal seating position during a collision.
Anti-whiplashAnti-whiplash head restraints actively react to rear collision forces and craddle the occupants head in an effort to reduce the likelihood of a whiplash injury.
Knee airbagsKnee airbags help to protect the occupants lower extremities from serious injury in the event of an accident.

What other factors affect Dodge Charger insurance rates?

Many factors influence your car insurance rate, such as:

  • The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
  • Your age: Driver age affects insurance rates too. Drivers under 25 years of age will pay higher insurance rates. Insurance companies consider young drivers to be high risks due to their limited driving experience.
  • Your driving record and claims history: Insurance companies will charge more if you have a history of accidents or tickets.

Dodge Charger insurance cost for young drivers

Teen drivers between the ages of 16 and 19 face the highest insurance costs out of any age group. For teen car owners driving a newer car, full coverage insurance offers better financial protection, since teenagers are more likely to get into accidents.

Dodge Charger insurance cost for senior drivers

As you enter your mid-70s, car insurance costs begin to climb again. Car insurance rates for seniors tend to be higher for several reasons.

Older drivers are more likely to be involved in accidents, and are also more vulnerable to severe injuries in the event of a collision, leading to significant medical expenses and other increased costs for insurance providers.

Dodge Charger insurance cost for drivers with driving violations

Your driving record impacts your auto insurance quotes. Those with a clean driving record are rewarded with lower insurance premiums.

If insurance companies notice a history of violations, they’ll see you as a higher risk and charge you a steeper rate. Some common violations that could increase your insurance rates include:

  • Speeding
  • DUIs
  • At fault accident
  • Reckless driving
  • Driving on a suspended license

Cheapest car insurance for Dodge Charger drivers with speeding ticket

There are varying degrees of speeding. For example, speeding 1-5 MPH over the limit, 6-10 MPH over the limit generally won’t raise your rates as much as speeding over 21 MPH over the limit.

Jerry is proud to help Dodge Charger drivers with varying speeding tickets save on car insurance.

Speeding Type
Car
Insurance Company
Premium (monthly)
Customer
Insurance coverage
Has Full Coverage
Speeding Violation-Minor Dodge Charger R/T Progressive $140 Lena, 41, Augusta, GA State Minimum No
Speeding Violation-Minor Dodge Charger R/T Dairyland $113 Trevor, 28, Pittsburg, CA 30/60 No
Speeding Violation-Major Dodge Charger R/T First Acceptance $300 Gary, 47, Macon, GA State Minimum No
Speeding Violation-Minor Dodge Charger Sxt Bristol West $132 Jeremy, 29, Paramount, CA 30/60 No
Speeding Violation-Minor Dodge Charger R/T Bristol West $287 Tony, 39, Bakersfield, CA 30/60 Yes
Last Updated Jan 22, 2025

Cheapest car insurance for Dodge Charger drivers with a DUI record

If you have a DUI offense on your record, car insurance rates can vary significantly from one insurance company to another.

You may need to compare rates from many insurance companies to find low-cost options after a DUI. Jerry has helped many Dodge Charger drivers obtain affordable auto insurance rates after a DUI.

Cheapest car insurance for Dodge Charger drivers after an accident

One of the most important factors affecting car insurance rates is your car accident or claim history.

If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Jerry has helped many Dodge Charger drivers save on car insurance after car accidents.

Accident type
Car
Insurance Company
Premium (monthly)
Customer
Insurance coverage
Has Full Coverage
At Fault With Injury Dodge Charger Sxt Bristol West $251 Beulah, 33, Hanford, CA 30/60 Yes
Not At Fault Dodge Charger Sxt Gainsco $203 Hannah, 52, Jesup, GA State Minimum Yes
Not At Fault Dodge Charger Scat Pack Bristol West $394 Martin, 33, Sacramento, CA 30/60 Yes
At Fault With No Injury Dodge Charger Sxt Safeco $637 Lena, 51, Raleigh, NC State Minimum Yes
Not At Fault Dodge Charger R/T The General $61 Janie, 48, Lawton, OK State Minimum No
Last Updated Jan 22, 2025

Cheapest car insurance for Dodge Charger drivers with other driving violations on their record

Other driving violations have the power to impact the cost of your insurance, too. In addition to speeding tickets and DUIs, other violations such as reckless driving and driving on a suspended license can also cause your car insurance costs to increase.

We’ve compiled a list of various other driving violations and how we helped Dodge Charger drivers with these violations save on their car insurance.

Violation
Car
Insurance Company
Premium (monthly)
Customer
Insurance coverage
Has Full Coverage
Leaving scene of an Accident/Hit and Run Dodge Charger Sxt Bristol West $251 Beulah, 33, Hanford, CA 30/60 Yes
Suspension Dodge Charger R/T Progressive $249 Rosa, 24, Rockford, IL State Minimum No
Unsafe Operation of a Motor Vehicle Dodge Charger Sxt Bristol West $370 Margaret, 24, Orlando, FL No Coverage Yes
Other Minor Dodge Charger R/T Bristol West $171 Marvin, 42, Rancho Cucamonga, CA 30/60 No
Operating Vehicle without Permission Dodge Charger R/T Progressive $867 Tommy, 24, New Braunfels, TX State Minimum Yes
Last Updated Jan 22, 2025

How can I lower the cost of insurance for my car?

There are a variety of ways to lower insurance costs for your vehicle.

  • Shop around: Shopping around for insurance coverage by comparing quotes from different insurance providers allows you to find the best coverage at the best price. Jerry makes this process easy by gathering quotes from over 55 top insurance companies in minutes, so you can compare prices. If you find a better deal, Jerry can even help you buy your new policy and cancel your old one.
  • Raise your deductible: Your car insurance deductible is the amount of money you pay out of pocket before your collision or comprehensive coverage kicks in. Raising your deductible reduces monthly insurance payments—but avoid raising it higher than you can afford to pay.
  • Reduce your coverage: If you have any older cars, you can reduce coverage on them to lower your bill. This is a good idea if your car is worth less than 10 times the premium you’re paying.
  • Research discounts: All insurance companies offer discounts, but they’re not always advertised, and your eligibility may vary from provider to provider. Check with your current insurer to see what discounts you might be missing out on.
  • Bundle your insurance policies: Bundling your homeowners and auto insurance with the same company can amount to a lower overall bill.

FAQ

  • How much would insurance be for a Dodge Charger?
  • How much would insurance be for a 2014 Dodge Charger?
  • Is insurance high on a Dodge Charger?
  • What is the cheapest insurance for a Dodge Charger?
  • What factors affect the insurance costs for an 18-year-old driving a Dodge Charger?
  • How much does an 18-year-old pay for a Dodge Charger RT?
MEET OUR EXPERTS
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Kianna Walpole

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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Sarah Gray

Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car. Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.

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Josh Damico

As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.

Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.

Josh holds a bachelor’s degree in business administration and management from Medaille College.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article represent the author’s personal opinions and do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.