+120 more*These quotes are from Compare.com users within the last 10 days. Updated on August 20, 2026
*These quotes are from Compare.com users within the last 10 days. Updated on August 20, 2026
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Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519
Updated
Dodge Charger insurance costs an average of $208 per month, which is significantly higher than the average of $162 per month for all vehicles.
USAA is the cheapest Dodge Charger insurer, averaging $114 per month.
Dodge Charger insurance rates are higher because it’s a high-performance sports car that’s one of the most commonly stolen vehicles in the U.S.
The average cost of Dodge Charger insurance varies depending on the type of policy you choose. Liability-only coverage pays for property damage and bodily injury you cause to others, but not your injuries or vehicle damage.
Full coverage includes collision insurance, which covers repairs to your Charger after an accident, and comprehensive coverage, which pays for damage from non-collision events, like fire or vandalism.
The table below compares the premiums for a Dodge Charger with those of all other vehicles, according to Compare.com data.
Vehicle | Average Liability Premium | Average Full-Coverage Premium | Overall Average Premium |
|---|---|---|---|
| Dodge Charger | $140 | $276 | $208 |
| All vehicles | $114 | $210 | $162 |
Dodge Charger insurance averages $140 per month for liability insurance and $276 for full coverage, which is much higher than the average for all vehicles.
Below, we break down how Dodge Charger insurance costs vary by insurer, coverage options, model year, driver age, location, driving history, and other factors.
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Dodge Charger insurance rates vary from one insurer to another because insurance companies weigh factors like driver profiles, location, and coverage type differently.
The table below shows the cheapest car insurance companies for the Dodge Charger based on Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $114 |
| State Farm | $126 |
| Allstate | $161 |
| American Family | $171 |
| GEICO | $176 |
| CSAA | $193 |
| Nationwide | $208 |
| Progressive | $212 |
| Travelers | $217 |
| Farmers | $246 |
| Liberty Mutual | $293 |
| Amica | $552 |
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.8 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA offers some of the cheapest rates for the Dodge Charger. This company is known for its customer service, flexible insurance policy options, and discounts. You can also save more if you bundle homeowners and auto insurance.
Superior (A++) AM Best financial strength rating
Top-rated customer service
Military-only eligibility
Poor online reviews
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.2 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Safe drivers can save on Dodge Charger insurance with State Farm. The company has good driver and defensive driving course discounts, and you save up to 30% with its Drive Safe & Save telematics program. Renters and homeowners can save even more by bundling home, renters, or life insurance with their Charger policy.
Broad agent network
High customer satisfaction ratings
Fewer optional coverages
No gap insurance
| User Reviews | 3.7 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 4.5 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.2 | 2.9 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate has higher rates than some insurers but has a wide range of coverage options, like extended vehicle care, gap insurance, accident forgiveness, and rideshare insurance. You may also be eligible for discounts that can lower your rate. Safe drivers can also save with Drivewise, Allstate’s telematics program.
Multiple coverage options
Accident forgiveness available
Consistent customer service complaints
Complaints about telematics app
Newer Dodge Chargers cost more to insure than older models. That’s because cars lose value as they age.
Check out the table below to see how Dodge Charger insurance rates and the cheapest insurance company differ by model year.
Charger Model Year | Average Monthly Premium |
|---|---|
| 2026 | $249 |
| 2025 | $251 |
| 2024 | $251 |
| 2023 | $250 |
| 2022 | $250 |
| 2021 | $242 |
| 2020 | $231 |
| 2019 | $226 |
| 2018 | $218 |
| 2017 | $214 |
| 2016 | $208 |
| 2015 | $203 |
| 2014 | $200 |
| 2013 | $190 |
| 2012 | $185 |
| 2011 | $180 |
| 2010 | $177 |
| 2009 | $171 |
| 2008 | $169 |
| 2007 | $166 |
| 2006 | $164 |
Factors from weather to traffic patterns to crime rates affect the average cost of insurance where you live.[1] So if you’re a Charger driver moving from Utah to Texas, you might see your insurance premiums go up, even though you still drive the same Daytona Scat Pack.
The table below shows the average monthly insurance rates for the Dodge Charger by state, based on Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $172 |
| Arizona | $183 |
| Arkansas | $198 |
| California | $223 |
| Colorado | $223 |
| Connecticut | $310 |
| Delaware | $260 |
| Florida | $242 |
| Georgia | $277 |
| Hawaii | $137 |
| Idaho | $114 |
| Illinois | $172 |
| Indiana | $142 |
| Iowa | $117 |
| Kansas | $161 |
| Kentucky | $215 |
| Louisiana | $233 |
| Maine | $152 |
| Maryland | $330 |
| Massachusetts | $164 |
| Michigan | $250 |
| Minnesota | $189 |
| Mississippi | $164 |
| Missouri | $198 |
| Montana | $162 |
| Nebraska | $157 |
| Nevada | $275 |
| New Hampshire | $96 |
| New Jersey | $293 |
| New Mexico | $158 |
| New York | $239 |
| North Carolina | $96 |
| North Dakota | $127 |
| Ohio | $134 |
| Oklahoma | $186 |
| Oregon | $166 |
| Pennsylvania | $175 |
| Rhode Island | $239 |
| South Carolina | $266 |
| South Dakota | $150 |
| Tennessee | $155 |
| Texas | $238 |
| Utah | $163 |
| Vermont | $156 |
| Virginia | $195 |
| Washington | $185 |
| District of Columbia | $342 |
| West Virginia | $160 |
| Wisconsin | $132 |
| Wyoming | $122 |
Your age makes a big difference in the cost of Dodge Charger insurance. Teen drivers have the least driving history and experience, and they pay the highest insurance rates compared to other age groups.
But as you age and get more experience on the road, your average monthly premium usually gets lower.
Here’s a look at how Dodge Charger insurance rates vary by age, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $399 |
| Adults | $208 |
| Seniors | $179 |
Compare rates and find the best policy for your Charger.
Teen drivers between the ages of 16 and 19 have crash rates nearly three times as high as drivers who are 20 and older, according to data from the Centers for Disease Control and Prevention.[2] This is why insurance companies usually charge young drivers the highest rates.
Still, rates can vary widely between insurers, and comparing quotes can help younger drivers find the cheapest Dodge Charger insurance rates.
The table below shows the cheapest insurance companies for teens and drivers younger than 25, according to Compare.com data.
Category | Price |
|---|---|
| USAA | $182 |
| State Farm | $202 |
| Allstate | $258 |
| American Family | $274 |
| GEICO | $282 |
Senior drivers generally spend less time on the road and are more courteous behind the wheel than younger drivers, according to Insurance Information Institute data.[3] So insurers generally offer seniors the lowest rates.
As a senior driver, you may qualify for much lower Dodge Charger premiums than younger drivers. The table below shows some of the cheapest Charger car insurance rates for seniors.
Category | Price |
|---|---|
| USAA | $97 |
| State Farm | $107 |
| Allstate | $137 |
| American Family | $145 |
| GEICO | $150 |
Your driving record affects how much you pay for Dodge Charger car insurance. Anything less than a clean driving record means you’re statistically more likely to file insurance claims, although the type of driving infraction matters. For instance, insurance rates increase more after a driving under the influence (DUI) conviction than after a speeding ticket.
The table below shows average monthly premiums for Dodge Charger drivers based on driving history, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $208 |
| Speeding ticket | $279 |
| At-fault accident | $297 |
| DUI | $349 |
Rates to insure a Charger jump significantly if you get a ticket for speeding or have a more serious infraction on your record.
A speeding ticket can potentially raise insurance rates for your Dodge Charger, since speeding often leads to serious crashes. In 2023, speeding contributed to 29% of traffic fatalities, and 10% of all police-reported traffic crashes were speeding-related, according to data from the National Highway Traffic Safety Administration (NHTSA).[4]
Here’s a look at some of the cheapest Dodge Charger insurance for drivers with a speeding ticket, based on our data.
Category | Price |
|---|---|
| USAA | $147 |
| State Farm | $157 |
| Allstate | $209 |
| American Family | $222 |
| CSAA | $236 |
If you have an accident on your record, you may pay more for Dodge Charger insurance. That’s because insurers see you as statistically higher risk for more crashes and traffic violations.
But every insurance company weighs accident history differently, so you may be able to get lower rates by switching insurers.
Check out the table below to see the cheapest insurance companies for Dodge Charger drivers with an accident, based on our data.
Category | Price |
|---|---|
| USAA | $149 |
| State Farm | $161 |
| Allstate | $209 |
| GEICO | $213 |
| American Family | $233 |
Driving under the influence of alcohol is a serious traffic violation, and a DUI conviction causes the highest rate increases. One alcohol-impaired driving fatality occurred every 42 minutes on average in 2023, according to estimates from the NHTSA.[5]
After a DUI, shopping around can help you find a lower rate. The table below shows the cheapest insurance for Dodge Charger drivers with a DUI.
Category | Price |
|---|---|
| USAA | $167 |
| State Farm | $184 |
| Allstate | $236 |
| GEICO | $240 |
| American Family | $250 |
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Some factors in your control can determine your Dodge Charger car insurance rates, like the trim level and additional safety features on your vehicle. But insurers also base rates on things out of your control, like theft rates.
Here’s a look at some factors that affect your Dodge Charger car insurance rates:
Repair costs: When a vehicle is expensive to repair, insurers charge higher rates to help offset costs after a claim. Since the Charger is a sports car with specialized performance features, you may pay more for car insurance.
Theft rates: Dodge Charger models are no longer among the National Insurance Crime Bureau’s top stolen cars, but the SRT Hellcat and the HEMI topped the Insurance Institute for Highway Safety’s most-stolen list as recently as 2023. This could have a lingering effect on Charger premiums.
Safety features: If your Charger has advanced safety features, you may be eligible for discounts, depending on your insurance company.
Optional features: Anti-theft devices on your Dodge Charger can reduce theft risk and may help you qualify for a discount.
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Dodge Charger insurance can be pricey compared to other vehicles. But if you’re already a Charger owner or you’re thinking about buying one, these strategies can help you get cheaper rates:
Increase your deductible. Upping your deductible usually lowers your monthly premium. Just make sure you can afford the extra cost if you need to file a claim for your Charger.
Enroll in a defensive driving course. Completing a defensive driver course or driver safety training may qualify you for savings on Charger rates, depending on your insurance company.
Keep a clean driving record. The most direct way to affect Charger insurance rates is by maintaining a clean driving history. Enrolling in a telematics program that bases rates on driving behavior offers the potential for even more savings.
Compare car insurance quotes regularly. Insurance rates change over time and between insurers. Shop around to compare quotes at least once per year to get the best rates.
If you’re researching coverage options for Dodge Charger car insurance, keep the additional information below in mind when shopping around.
It can be. The average cost of insurance coverage for a Dodge Charger is higher than the average cost for all other vehicles. But shopping around and comparing quotes from different insurers can help you find coverage that fits your budget.
USAA offers the cheapest average insurance rates for Dodge Charger drivers, according to Compare.com data. But only military members and their families are eligible. State Farm is widely available and offers the next-cheapest insurance coverage for Chargers.
Our data shows that the 2026 Dodge Charger costs an average of $249 per month to insure. But your exact policy rates depend on the insurer you choose and factors like your age, ZIP code, driving record, and Charger trim model.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Learn more about us, our team, and what makes us tick.
)
Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
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