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Jerry Data & Research
Cheapest 2016 Dodge Charger Car Insurance (Apr 2024)
Cheapest 2016 Dodge Charger Car Insurance (Apr 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your 2016 Dodge Charger
Find Insurance Savings
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Quotes from top insurance companies
Kianna Walpole
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor
What's on this page?
- How much does car insurance cost for a 2016 Dodge Charger?
- Compare the cheapest 2016 Dodge Charger car insurance quotes
- The best car insurance companies for 2016 Dodge Charger owners
- Average 2016 Dodge Charger insurance costs
- How expensive is 2016 Dodge Charger insurance compared to other years?
- Are 2016 Dodge Chargers expensive to insure?
- 2016 Dodge Charger NHTSA safety ratings
- What other factors affect 2016 Dodge Charger insurance rates?
- 2016 Dodge Charger insurance costs for young drivers
- 2016 Dodge Charger insurance costs for drivers with driving violations
- How can I lower the cost of insurance for my 2016 Dodge Charger?
- Methodology
- Meet our experts
Load full table of contents
How much does car insurance cost for a 2016 Dodge Charger?
The average cost of car insurance
for a 2016 Dodge Charger is approximately $132/month for state minimum liability insurance and $226/month for a full coverage insurance policy. However, the average cost isn’t necessarily what you’ll pay for auto insurance. Along with your driver information,
car insurance quotes
are also based on your car’s make, model, trim, and safety features.To find the right Dodge Charger insurance, it’s best to start by comparing car insurance rates from several providers—and
Jerry
can help.Compare the cheapest 2016 Dodge Charger car insurance quotes
There are two ways to compare quotes: manually or with the Jerry app. Did you know that Jerry customers save an average of $2,219 per year on car insurance?
Take a look at the table below to see the rates Dodge Charger drivers found with Jerry—and then compare your quotes to see how different profiles can change overall costs.
| Date | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
April 25, 2024 | Nationwide | $205 | John, 64 | • 100,000/300,000 Liability • Comp / Collision | |
April 21, 2024 | Plymouth Rock | $164 | Joe, 30 Valley Cottage, NY | • State Minimum Liability • Comp / Collision | |
April 21, 2024 | Safeco | $121 | Jesse, 33 Coralville, IA | • 25,000/50,000 Liability • Comp / Collision | |
April 20, 2024 | Travelers | $189 | Edwin, 26 | • 50,000/100,000 Liability • Comp / Collision | |
April 16, 2024 | Progressive | $372 | Harriett, 41 | • State Minimum Liability • Comp / Collision |
Last Updated Apr 25, 2024However, insurance premiums can vary greatly based on trims and drivers. The best way to evaluate your own insurance costs is to
get a car insurance quote
from at least three insurance companies and compare rates. The best car insurance companies for 2016 Dodge Charger owners
No car insurance company will have the ‘best’ or ‘cheapest’ rates for all 2016 Dodge charger owners. Insurers
calculate auto insurance premiums
based on several different factors, including your age, location, vehicle type, driving record, and more—and no two companies use the same algorithm to make these calculations. To help drivers find their ideal provider, Jerry experts recently conducted one of the largest insurance shopping surveys, asking real policyholders about their experience with their current insurer.
The table below shows how 2016 Dodge Charger drivers rated their providers in terms of customer service, cost effectiveness, claims process, and overall.
| Insurance Company | Overall Rating | Price | Claims Experience | Customer 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 |
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'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.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average 2016 Dodge Charger insurance costs
Most 2016 Dodge Charger owners pay an average of $132 per month or $1,584 annually for a liability-only policy. For full coverage, most drivers pay approximately $226 per month, or $2,712 per year.
| Insurance Coverage | Average insurance cost (monthly) | Average insurance cost (yearly) |
|---|---|---|
State minimum coverage | $132 | $1,584 |
Full coverage | $226 | $2,712 |
State minimum coverage
is the amount of liability coverage you must have to legally drive in your state. It includes bodily injury and property damage liability coverage
, although the amounts will vary by state. In some states, uninsured motorist coverage
or personal injury protection
are also required to cover your own medical expenses after a crash.A full coverage car insurance policy
generally includes liability coverage plus collision coverage
and comprehensive coverage
. Unlike liability insurance, a full coverage policy will protect your own vehicle from collision and non-collision related events, like theft and severe weather. Although the state minimum is cheaper on a monthly basis, most 2016 Dodge Charger drivers will benefit from a full coverage policy with higher liability limits.
Compare insurance information for other Dodges
2016 Dodge Charger insurance costs by trim level
The type of trim your Dodge Charger has can also influence your car insurance premiums. For example, a 2016 Dodge Charger SRT 392 generally costs 36.6% more to insure than a 2016 Dodge Charger R/T Scat Pack.
With more technology and luxury-style features, vehicles with high trims may cost more to insure as replacement parts are more difficult to come by. Check out the table below to see how different trims can change the cost of auto insurance rates.
| Car Model & Trim | Average full coverage insurance cost | Average minimum coverage insurance cost |
|---|---|---|
2016 Police | $318 | $176 |
2016 R/T | $241 | $136 |
2016 R/T Scat Pack | $205 | $142 |
2016 SE | $224 | $117 |
2016 SRT 392 | $280 | $106 |
2016 SRT Hellcat | $178 | $96 |
2016 SXT | $203 | $137 |
How expensive is 2016 Dodge Charger insurance compared to other years?
Compared to newer model Dodge Chargers, the 2016 Dodge Charger is relatively inexpensive to insure. This is generally a result of its declining age—as vehicles get older, they tend to lose market value, which can impact your insurance costs.
Additionally, newer vehicles often come with all the bells and whistles—new safety features, technology, and engine types can raise the cost of your premiums. However, some insurance providers do supply discounts for vehicles that are less than three model years old.
To get a general idea of what you may pay for full and minimum coverage for your Dodge Charger, take a look at the average rates for the 2016 model and other model years.
| Car | Minimum Coverage | Full Coverage |
|---|---|---|
2006 Dodge Charger | $100 | $157 |
2007 Dodge Charger | $100 | $183 |
2008 Dodge Charger | $111 | $201 |
2009 Dodge Charger | $111 | $195 |
2010 Dodge Charger | $103 | $200 |
2011 Dodge Charger | $101 | $217 |
2012 Dodge Charger | $109 | $196 |
2013 Dodge Charger | $114 | $204 |
2014 Dodge Charger | $122 | $233 |
2015 Dodge Charger | $99 | $220 |
2016 Dodge Charger | $132 | $226 |
2017 Dodge Charger | $115 | $258 |
2018 Dodge Charger | $102 | $250 |
2019 Dodge Charger | $117 | $244 |
2020 Dodge Charger | $114 | $262 |
2021 Dodge Charger | $115 | $264 |
2022 Dodge Charger | $82 | $285 |
2023 Dodge Charger | $125 | $262 |
Are 2016 Dodge Chargers expensive to insure?
The 2016 Dodge Charger is relatively inexpensive to insure. Most 2016 Dodge Charger owners pay an average of $132 a month for state minimum auto insurance. This makes the Dodge Charger 1% less to insure compared to other models.
| Model | Avg. Minimal Coverage Insurance Cost | Avg. Full Coverage Insurance Cost |
|---|---|---|
2016 GMC Yukon | $20 | $189 |
2016 Acura RDX | $63 | $189 |
2016 Ram 1500 | $109 | $179 |
2016 Volvo S60 | $120 | $207 |
2016 Dodge Charger | $132 | $226 |
Along with your car’s make and model, insurance providers also consider elements including your vehicle’s age, its Manufacturer's Suggested Retail Price (MSRP) and actual cash value, and engine size to determine your auto insurance quotes.
2016 Dodge Charger NHTSA safety ratings
According to the NHTSA, the 2016 Dodge Charger scored a 4.5/5.0, making it one of the safer Dodge Charger years.
In areas such as ‘Overall Rollover Rating’, ‘Side-Pole’, and ‘Side Barrier Rating Driver,’ the ‘16 Charger received a perfect score, while it earned a near-perfect rating in other categories . Below is a complete breakdown of the NHTSA Safety Rating score for the 2016 Dodge Charger
| Rating Type | Rating |
|---|---|
Passenger's | |
Overall Front | |
Overall Side | |
Overall Rollover Rating | |
Overall | |
Side - Pole | |
Side Barrier Rating Driver | |
Side Barrier Rating Passenger Rear Seat | |
Side - Barrier | |
Side - Pole Barrier combined (FRONT) | |
Side - Pole Barrier combined (REAR) |
What other factors affect 2016 Dodge Charger insurance rates?
Along with your vehicle type, modifications, and safety features—such as air bags and anti-theft devices—car insurance companies also look into the following determining factors:
- The kind of car you have: Luxury vehicles, sports cars, and any high-performance vehicle generally have higher insurance costs due to their increased risk for theft and vandalism.
- Your age and driving experience: Drivers aged 21 and under typically pay higher insurance rates based on their lack of driving experience.
- Your driving history: If you’ve had multiple speeding tickets, a DUI, or an at-fault accident, you’ll likely see higher than average insurance costs. Drivers with a clean driving record tend to find the cheapest car insurance premiums.
- Your insurance history: If you have multiple claims or a lapse in your insurance history, you may pay more for car insurance rates.
- Where you keep your car: Location matters. If you live in a state or ZIP code with high theft rates, accident statistics, and poor weather patterns, you could see an increase in your premiums.
2016 Dodge Charger insurance costs for young drivers
Young drivers tend to like the stylish performance of the Dodge Charger, but unfortunately, they’ll face high insurance costs.
Teen drivers
between the ages of 18 and 21 tend to pay some of the highest rates for car insurance due to their increased risk for accidents and limited driving experience—especially when they choose a muscle car like the Charger.
Ophelia (19 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$278
per month
Aaron (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Marshallville, GA$330
per month
To save on car insurance as a teen driver, consider sharing a policy with a household member—like a parent or guardian—and look into student-based car insurance discounts.
2016 Dodge Charger insurance costs for drivers with driving violations
Drivers with speeding tickets, DUIs, and at-fault accidents on their driving record can pay some of the highest car insurance premiums. Take a look at the table below to see how much real Jerry customers with violations on their driving history were quoted for their 2016 Dodge Charger:
| Violation | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
Illegal Turn | Progressive | $347 | Johnny, 23 | • State Minimum Liability • Comp / Collision | |
Defective Equipment | National General | $158 | Minnie, 25 | • State Minimum Liability • Comp / Collision | |
Failure to Obey Signal | Infinity | $424 | Iva, 28 | • State Minimum Liability • Comp / Collision | |
Cell Phone | Progressive | $96 | Lillie, 32 | • 30,000/60,000 Liability • Comp / Collision | |
Careless Driving | Safeco | $92 | Augusta, 32 | • 100,000/300,000 Liability | |
Driving on Sus. License | Infinity | $424 | Lou, 28 | • State Minimum Liability • Comp / Collision | |
Failure to Obey Signal | Gainsco | $117 | Mason, 39 | • State Minimum Liability | |
Improper Passing | Allstate | $285 | Howard, 30 | • State Minimum Liability • Comp / Collision |
Last Updated Apr 25, 2024If you have infractions or violations on your driving record, you can gradually improve your rates through safe driving.
One way to improve your driving habits is to enroll in a telematics program—and you may be able to earn rewards just by participating. Some providers also offer car insurance discounts for drivers who complete a defensive driving course and maintain an accident-free history for a specified period of time.
How can I lower the cost of insurance for my 2016 Dodge Charger?
The cost of car insurance for a 2016 Dodge Charger is relatively cheap compared to other models. However, drivers can continue to save in the following ways:
- Comparison shop:Smart shopping strategiescan help you lower the cost of insurance for a 2016 Dodge Charger. Compare free quotes from several providers using an app like Jerry to ensure you’re saving on insurance.
- Bundle multiple policies: If you also pay for homeowner or renters insurance, you can bundle your policies with a single provider to save money.Home and auto bundlessave drivers an average of 15% or more!
- Check for discounts: Most insurers offer car insurance discounts to help drivers lower their premium costs. You can earn discounts for safe driving, maintaining good grades, paying premiums in full, and more.
- Maintain a clean driving record and good credit score: Drivers who keep good driving habits and build their credit score often pay less for car insurance. Practice safe driving, and consider using automatic payments to help pay bills on time to boost your credit score.
- Enroll in a usage-based insurance program: Telematics programs are a great way to help you build safe driving habits while saving on car insurance through discounts and rewards incentives.
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
Kianna Walpole
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.
Amy Bobinger
Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
Josh Damico
Head Of Insurance Operations
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.
