We pulled Dodge Charger car insurance quotes from top insurance companies to find that the average monthly cost to insure a 2021 Dodge Charger is $212.10 a month — or $2,545.17 yearly. However, your actual costs depend on your driving history, vehicle model and year, ZIP plus other factors. And some older models may cost less to insure than others depending on which safety features your vehicle has and which insurer you choose.
| Model Year | Progressive | Geico | State Farm | Farmers | Average |
|---|---|---|---|---|---|
| 2011 Dodge Charger | $123.74 | $112.14 | $188.17 | $209.18 | $158.31 |
| 2016 Dodge Charger | $145.75 | $129.83 | $226.21 | $226.90 | $182.17 |
| 2021 Dodge Charger | $168.75 | $172.65 | $263.26 | $243.73 | $212.10 |
How we got these rates
Our rates are based on a single 30-year-old driver with a clean driving history living in California. California is one of seven states that doesn’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:
- Bodily injury liability per person: $50,000
- Bodily injury liability per accident: $100,000
- Property damage liability: $50,000
- Comprehensive deductible: $500
- Collision deductible: $500
- Medical payments: $5,000
- Uninsured motorist bodily injury: $50,000/$100,000
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What factors affect car insurance rates for Dodge Charger?
Your auto insurance premiums are largely influenced by your chances of filing claims and the cost to pay them out. Since vehicle performance, theft rates, safety features and other details can vary between makes and models, insurance providers rely on your choice of vehicle when calculating your rates. Here’s how the Dodge Charger measures up.
- Body type. The Charger is a four-door sedan that’s designed for performance but packed with safety features that make it a great family car. This could bring down the cost of insurance.
- Vehicle type. The Dodge Charger is a muscle car that is available with a lot of power. It’s potential to be driven at high speeds could make it more expensive to insure.
- Theft. The Charger has one of the highest theft rates compared to other vehicles, which could increase the cost of coverage.
- Repairs. Repairs for the Dodge Charger are quite affordable, with an average cost of $625 per year. While this cost may be higher on the more expensive versions, the low cost of repairs could reduce your premiums.
- Safety ratings. The Dodge Charger has great safety ratings in almost every category, which may bring down the cost of insurance.
- Fuel type. The Charger runs on gas, which is usually cheaper to insure compared to diesel and hybrid vehicles.
- Trim packages. Choosing options that increase the vehicle’s power or value could lead to more expensive insurance. Because of this, you may pay less to insure lower-end Charger models, whereas the Hellcat or Demon will cost more to insure.
How to compare insurance for the Dodge Charger
You should have no trouble finding coverage for your Charger from major insurance companies, so compare multiple quotes to get the best price on the coverage you need. What to consider while shopping around:
- Price. Use the same details when getting quotes from providers. This will allow you to compare similar coverage to find the best price.
- Deductible. Choose a deductible that fits your budget but keep in mind that the amount you choose can influence your monthly premiums.
- Minimum coverage. Every state — outside of New Hampshire and Virginia — has minimum coverage requirements. Ensure your state minimums are met before purchasing a policy.
- Additional coverage. Personal injury protection and medical payments coverage are two of many ways you can extend your coverage. Find out what options are available and be sure to include them when getting quotes.
- Extras. Every policy comes with different features, so it’s important to find out what’s included and what you’ll need to pay extra for.
- Restrictions. Some providers may have policy restrictions. Find out if any apply to you so that you can avoid gaps in coverage or denied claims.
- Manufacturer offer or loyalty discount. Manufacturer offers and loyalty discounts can help you save on auto insurance. Find out if Dodge has any partnerships to provide any special offers.
- Warranty. Find out what’s covered by your manufacturer or extended warranty to avoid paying for overlapping coverage.
Dodge Charger money-saving safety features
Each Dodge Charger comes equipped with safety and driver assistance features, so include these features to qualify for available discounts.
- Antilock brake discount
- Antitheft discount
- Passive restraint discount — i.e. airbags or motorized seat belts
- Emergency roadside assistance discount
Dodge Charger reliability and safety ratings
According to U.S. News and J.D. Power, the 2018 Dodge Charger holds an 8.9/10 for safety. This rating is backed by near-perfect ratings in almost every category from the IIHS and a 5/5-star safety rating from the NHTSA.
In 2019, Chrysler recalled specific 2019 models for incompatible front wheel and brake packages that could result in sudden tire pressure loss and increase the risk of a crash.
In terms of reliability, the Charger gets a 2/5 star rating from U.S. News and JD Power, which is below average for other vehicles in its category. Previous years seem to have slightly better ratings, but not by much.
Dodge Charger maintenance
While the Charger is designed for performance, it’s the only four-door muscle car in production. This configuration makes it a great option for families or anyone that values the convenience of a sedan with the power of a muscle car.
The higher-end models may require regular maintenance if they’re driven aggressively, but the entry-level versions should be fine with routine oil changes and other recommended service appointments. Here’s what to expect.
- Dodge recommends an oil change every 8,000 miles or six months, whichever comes first.
- Oil changes should cost between $100 and $150, but your price may vary depending on how frequently your vehicle is driven and where you bring it for service.
- Consult your owners manual for more details on the service schedule for the Dodge Charger.
Is an extended warranty worth it for the Dodge Charger?
The Charger comes with a standard three-year/36,000-mile limited warranty and five-year/60,000-mile powertrain warranty. New vehicles also include five years of corrosion protection and roadside assistance.
Dodge doesn’t offer an extended warranty for the Charger but there are two vehicle protection plans available through its parent company, Mopar. Terms are available up to eight years/125,000 miles and covers parts, rental allowances and more. The Charger is rated below average for reliability, so these protection plans can provide peace of mind after the initial warranty runs out.
Compare Dodge competitors
Originally released in 1966, there have been seven generations of the Dodge Charger to date. Although the first models of the Charger were produced as a two-door coupe, the modern version is a sedan, the only four-door muscle car currently in production.
The large car is known for its spacious interior, sporty handling, strong V8 engine and low base price. Despite its understated design, the Charger can have up to 700 horsepower, which could make it expensive to insure.
While the Charger is the only four-door muscle car currently in production, you may be able to find similar options by shopping around. Explore other manufacturers or find out what else Dodge has to offer.
Bottom line
Starting at just under $30,000, the Dodge Charger offers a balance between convenience and power. While the entry-level Charger SXT comes with about 300 horsepower, there are a number of models and options that have the potential to put out over 700.
Despite its power, every model comes equipped with great safety and driver assistance features that may be eligible for auto insurance discounts. With that being said, there are a number of factors that can influence the cost of insurance, which is why it’s important to compare your options to find the best price for the coverage you need.
