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Cheapest 2016 Dodge Charger Car Insurance (Feb 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
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

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.
DateCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
February 25, 2024
Nationwide
$205
• 100,000/300,000 Liability
• Comp / Collision
February 21, 2024
Plymouth Rock
$164
• State Minimum Liability
• Comp / Collision
February 21, 2024
Safeco
$121
• 25,000/50,000 Liability
• Comp / Collision
February 20, 2024
Dodge Charger SE
Travelers
$189
• 50,000/100,000 Liability
• Comp / Collision
February 16, 2024
Dodge Charger SE
Progressive
$372
• State Minimum Liability
• Comp / Collision
coverageLast Updated Feb 25, 2024
However, 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 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.
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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 CoverageAverage 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. 

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 & TrimAverage full coverage insurance costAverage minimum coverage insurance cost
$318
$176
$241
$136
$205
$142
$224
$117
$280
$106
$178
$96
$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.
CarMinimum CoverageFull 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.
ModelAvg. Minimal Coverage Insurance CostAvg. Full Coverage Insurance Cost
2016 Ram 3500
$67
$204
2016 GMC Acadia
$84
$176
2016 Volvo S60
$120
$207
2016 Acura ILX
$129
$192
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 TypeRating
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.
card cover
Ophelia (19 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$278
per month
card cover
Brent (23 years old)
$83
per month
card cover
Glenn (23 years old)
coverageCoverage
State Minimum
locationFort Sill, OK
$267
per month
card cover
Aaron (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationMarshallville, GA
$330
per month
card cover
Grace (24 years old)
coverageCoverage
No Coverage
locationSouthport, FL
$281
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:
ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Illegal Turn
Progressive
$347
• State Minimum Liability
• Comp / Collision
Defective Equipment
National General
$158
• State Minimum Liability
• Comp / Collision
Failure to Obey Signal
Dodge Charger SE
Infinity
$424
• State Minimum Liability
• Comp / Collision
Cell Phone
Progressive
$96
• 30,000/60,000 Liability
• Comp / Collision
Careless Driving
Dodge Charger SE
Safeco
$92
• 100,000/300,000 Liability
Driving on Sus. License
Dodge Charger SE
Infinity
$424
• State Minimum Liability
• Comp / Collision
Failure to Obey Signal
Dodge Charger SE
Gainsco
$117
• State Minimum Liability
Improper Passing
Allstate
$285
• State Minimum Liability
• Comp / Collision
coverageLast Updated Feb 25, 2024
If 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 strategies
    can 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 bundles
    save 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

avatar
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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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.