Dodge Charger Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Dodge Charger is more expensive to insure than the average car.
• Liability only car insurance rates for a Charger come in at around $106 a month, while full coverage usually comes in at about $222.
• JustInsure is the lowest auto insurance carrier for a Charger.

---

---

Charger Overview

Coming in with a base MSRP of $31,350 for new 2022 models, the Dodge Charger is a great car for all budgets. You'll have your choice of four different trim levels, so there's a style for every driver.

We analyzed thousands of insurance quotes on Compare.com, and we've found that Dodge Charger auto insurance prices average out to around $237 monthly. Where does that fall compared to the rest of the market?

How Much is Car Insurance for a Dodge Charger?

You'll see in the table above that car insurance premiums for a Dodge Charger are above average. On average, Charger owners will pay about $222 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $106 per month for liability only insurance (discover more about the difference with our guide "State Minimum vs. Full Coverage").

When compared to other models, the Charger is more expensive, with rates more than 10% higher than the other vehicle types offered by Dodge. Likewise, compared to other vehicles of a similar body style, Charger coverage is higher than average, with both full coverage and liability only insurance averaging more expensive premiums than other cars.

They're also on the more expensive end to insure than the average vehicle, regardless of which make, body style, or model you compare it to.

---

---

Who has the Cheapest Car Insurance for a Dodge Charger?

Browsing for a car insurance policy for your Dodge Charger? You most likely want to know which company offers the cheapest rates. While there will never be one carrier that has the most affordable rates for everyone, the lowest average rates for liability only insurance are sometimes just $38 a month from MetroMile. With car insurance sometimes as cheap as $45 monthly, StateAuto is the next cheapest insurance company.

American Family, Multi-State, and Nationwide round out the rest of the top 5 list. But just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.

Auto insurance companies take a multitude of things into consideration when offering you premiums. Because every driver is different, there's only one way to ensure you get the lowest prices, and that's by getting personalized quotes and comparing rates from a multitude of auto insurance carriers.

---

---

What Factors Affect Car Insurance Rates for a Dodge Charger?

There are several variables that insurance companies reference to choose how much to charge for car insurance -- and every carrier weighs certain factors more than others, so there's not a single company that's the cheapest for everyone.

The following sections show lots of factors auto insurance carriers use to calculate rates:

Vehicle Age

The Dodge Charger has been around for a while -- that means vehicle age will likely play a role in what you end up paying for car insurance. Generally, it costs more to insure newer cars because they're worth more, but as they age, insurance costs will gradually decrease.

From the table above, you can see the Dodge Charger is in line with this trend, as the most expensive models to insure are those that are 1 year old or less, while on average, the cheapest models are Chargers that are 15 years old or more.

Your Age

Age makes a significant difference in how much insurance companies will charge you for a policy. Based on the information above, those with more experience have cheaper prices compared to drivers under 18. Dodge Charger drivers under 18 actually pay more than twice as much as those 25 or older.

Car insurance prices continue to go lower as you get older, with drivers aged 55-64 making up the cheapest age group for the Charger.

Your Gender

Because women are less likely to get into accidents and get speeding tickets, they are less likely to file a claim with insurance. So, women tend to get cheaper rates than men. When it comes to Charger drivers specifically, men pay around $114 a month for auto insurance, while women pay about $94.

Where You Live

You may think it's obvious that things like how old you are and what vehicle you drive play a role in your insurance premiums, but did you know that where you live can be equally important? Because car insurance is regulated at the state level, rates change quite a bit depending on what state you live in.

For example, the average Dodge Charger owner from New York pays around $294 monthly for liability coverage, while the same driver in California will pay only 25% of that price, on average. The chart above shows average prices for the 10 largest states by population, just to give you a good idea of how much premiums can change depending on where you live.

---

---

Dodge Charger Car Insurance Discounts

No matter your age, your home state, or your car, using as many discounts as possible when it comes to your auto insurance is always the smart move when shopping around for a policy.

Not every car insurance carrier will offer the same discounts, but there are a few that are relatively common. These include discounts like:

• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher than average safety ratings
• Defensive driving discounts for drivers who take a defensive driving class from an accredited school or institution
• Multi-policy discounts for bundling your home and auto policies with the same insurance company
• Pay-in-full discounts for choosing to pay your entire policy premium at once, rather than by monthly payments

These are just a few of the discounts insurance carriers offer, and sometimes, the best rates come from simply having a favorable insurance profile, which means having a clean driving record or not having any recent insurance claims.

Of course, you can't control every single aspect of your car insurance profile (like some of the variables we mentioned above), but there is quite a bit that you can control. Below are just a few of the factors you can use to your favor when it comes to cost savings:

Your Driving Record

You've probably seen ads from auto insurance companies offering large discounts for safe drivers. It shouldn't come as a surprise that your insurance rates will go higher if you get a speeding ticket or get into a collision. But exactly how much can it cost you for these infractions?

If you look at the table above, you'll notice that accidents will usually cost Charger drivers more than tickets, but both will cause a significant increase in rates. Dodge Charger drivers with one ticket will pay an average of $122 per month, while drivers with a single accident on their record pay about $134 every month (up $28 from the $106/mo. overall average). The rates only get higher the more tickets you get or accidents you have.

How Much You Drive

The amount of miles you drive each year plays a big role when it comes to your auto insurance prices. Drivers who are on the roads less are less likely to get into accidents, so they'll normally end up paying less for insurance. Based on the table above, you can see that Dodge Charger owners who drive fewer than 2,500 miles each year pay about $103 a month for car insurance, while those who put 10,000 miles or more on their cars pay $107.

But if you don't drive much because have a second vehicle or you work from home, you might consider a usage-based or pay-per-mile auto insurance policy. With these kinds of coverage, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

---

---

How Do Dodge Chargers Compare to Other Vehicles?

If you're considering making a Dodge Charger your next purchase, it can pay off to do your homework. Insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth thinking about carefully.

Take a look at the table below to see how the Dodge Charger compares:

Overall, the Dodge Charger is a great value for any budget, with an MSRP that's a quarter less than the going rate for a new vehicle. While the national average vehicle price is $46,192, the Charger starts at just $31,350.

Full coverage insurance for a Dodge Charger is about $346 per month more than average, while liability only coverage is more than $30 cheaper per month.

When it comes to usage, Dodge Charger owners drive more miles annually than the national average, with 11,617 miles a year for all vehicles compared to the Charger's 14,184 per year.

Dodge Charger Car Insurance Costs by Model Year

We've walked through many of the variables that can have an impact on what you'll pay for insurance. But if you're in the market for a new car, truck, or SUV and the Charger is on your wishlist, having a good idea of exactly what you'll pay can be extremely helpful as you weigh your options.

Choose Your Model

2022 Dodge Charger Car Insurance 2021 Dodge Charger Car Insurance 2020 Dodge Charger Car Insurance 2019 Dodge Charger Car Insurance 2018 Dodge Charger Car Insurance 2017 Dodge Charger Car Insurance 2016 Dodge Charger Car Insurance 2015 Dodge Charger Car Insurance 2014 Dodge Charger Car Insurance 2013 Dodge Charger Car Insurance 2012 Dodge Charger Car Insurance 2011 Dodge Charger Car Insurance 2010 Dodge Charger Car Insurance

2022 Dodge Charger Car Insurance

When considering a brand new Dodge Charger, there's more to choose from than just color. With four different trim levels to pick from, there's surely a style for everyone.

When it comes to auto insurance, on average, it costs around $42 monthly to insure a 2022 Dodge Charger for liability only and $515 a month for full coverage. And if you want the most affordable insurance possible, Mile Auto offers liability only policies for as little as just $42 monthly.

Although it's great to know the average price drivers pay for insurance, you'll only find out exactly what you'll pay if you get a personalized quote. Luckily, with Compare.com you can get quotes from several carriers at once, all for free. Simply enter your ZIP code below to get started.

---

---

2021 Dodge Charger Car Insurance

If you're in the market for a 2021 Charger or already own one, you're most likely looking at an average car insurance price of about $103 for liability or $239 for full coverage.

And if you're just looking for the lowest insurance for your Charger, Hugo offers liability only policies for as low as just $20 per month.

Want to find the best rates? Just enter your ZIP code below to get multiple free customized quotes.

---

---

2020 Dodge Charger Car Insurance

2020 Charger drivers can expect to pay an average of $133 a month for liability or $289 for full coverage.

Shelter Mutual offered the most affordable policy we found, with rates as little as $23 per month.

While these are good estimates of what the average driver might pay to insure a 2020 Dodge Charger, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

---

---

2019 Dodge Charger Car Insurance

On average, drivers who own a 2019 Dodge Charger can expect to pay $134 to $271 monthly for liability only and full coverage car insurance, respectively.

With prices sometimes as low as $22 per month, Hugo offered the cheapest policy we found.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

---

---

2018 Dodge Charger Car Insurance

It costs around $130 a month for liability or $258 for a full coverage policy for the 2018 Charger.

We found Clearcover offered the lowest policy, with rates as cheap as $21 monthly.

If you want to know exactly how much you can expect to pay for your Charger, get free quotes in minutes by just entering your ZIP code below.

---

---

2017 Dodge Charger Car Insurance

You can expect full coverage for a 2017 Dodge Charger to run about $250 a month, while liability only coverage will average around $134 monthly.

Hugo has rates as cheap as just $19 per month for the 2017 Dodge Charger.

If you want to know just how much your rate will be, just enter your ZIP code below and get free quotes in minutes.

---

---

2016 Dodge Charger Car Insurance

The average cost to insure a 2016 Charger with liability only coverage is $119 a month, while full coverage runs about $237 monthly.

Looking for the cheapest policy? Liberty Mutual offered liability only coverage for as low as $21 per month.

What will your auto insurance price be? Enter your ZIP code below to get lots of free customized quotes.

---

---

2015 Dodge Charger Car Insurance

You can expect full coverage for a 2015 Dodge Charger to run around $225 a month, while liability only coverage will average about $116 per month.

With premiums sometimes as little as $25 monthly, StateAuto offered the most affordable policy we found for the 2015 Dodge Charger.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

---

---

2014 Dodge Charger Car Insurance

The average cost to insure a 2014 Charger with liability only coverage is $104 per month, while full coverage runs around $212 a month.

If you're looking for the lowest possible 2014 Dodge Charger insurance policy, MetLife offered the cheapest policy we found, with rates as little as just $22 monthly.

If you want to find the best prices for insurance for a 2014 Dodge Charger, enter your ZIP code below and compare a wide array of personalized quotes in just a few minutes.

---

---

2013 Dodge Charger Car Insurance

On average, drivers who own a 2013 Dodge Charger can expect to pay $102 to $213 per month for liability only and full coverage car insurance, respectively.

Elephant offered the lowest policy we found, with rates as little as $17 a month.

Interested in just how much you'll pay? Get a variety of free personalized quotes by just entering your ZIP code below.

---

---

2012 Dodge Charger Car Insurance

2012 Charger drivers can expect to pay an average of $111 monthly for liability or $206 for full coverage.

MetLife has rates sometimes as cheap as $25 per month for the 2012 Dodge Charger.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

---

---

2011 Dodge Charger Car Insurance

It costs about $109 a month for liability or $205 for a full coverage policy for the 2011 Dodge Charger.

If you're looking for the most affordable 2011 Dodge Charger insurance policy, Gainsco offered the most affordable policy we found, with rates sometimes as little as $23 monthly.

Want something more accurate than national averages? Enter your ZIP code below to get several customized quotes for free.

---

---

2010 Dodge Charger Car Insurance

The average cost to insure a 2010 Charger with liability only coverage is $106 a month, while full coverage runs around $201 per month.

We found Shelter Mutual offered the lowest policy, with rates as cheap as $22 monthly.

While these are good estimates of what the average driver might pay to insure a 2010 Dodge Charger, these prices might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

---

---

Dodge Charger Insurance FAQs

Is a Dodge Charger expensive to insure?

Liability insurance runs an average of $106 a month, while full coverage will cost you around $222. Compared to the national average of all vehicles, premiums come in on the more expensive end of the spectrum.

How can I get the best price on car insurance for my Dodge Charger?

There's only one way to guarantee you're getting the most affordable rates -- checking prices regularly and comparing quotes from a bunch of companies. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a variety of carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Dodge Charger affect my insurance premiums?

You've probably heard the old adage that it costs more to insure a red car, but that's simply not true. There are lots of things auto insurance companies use when they calculate how much you'll pay, but the color of your Charger is not used to make that determination.

Do I need to have insurance before I buy a Dodge Charger?

You'll need to have an auto insurance policy in place before you can legally driver your new (or new to you) Dodge Charger off the dealership lot. Some dealerships will offer you an insurance policy as part of the buying process, but it's best to let your insurance company know ahead of time.

What car insurance discounts can I get for my Dodge Charger?

You will find a range of different discounts out there for car insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are based less on your vehicle and more on you, but if your Charger has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may be eligible for certain discounts. You'll only know about which discounts you qualify for if you get in touch with your insurance carrier and ask about their discounts, since they shift quite a bit from company to company.