Cheapest Dodge Charger Car Insurance (2025)

Written by Kianna Walpole and 2 others
Updated Nov 19, 2024
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Cheapest Dodge Charger Car Insurance (2025)

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How much does Dodge Charger car insurance cost?

On average, Dodge Charger drivers spend $110 each month on state minimum car insurance and $231 per month for full coverage. Compared to other popular cars like the Bmw X3, Mercedes-Benz GLB, and Jeep Gladiator, the Dodge Charger is 19% more expensive to insure.

However, there is no real ‘average’ cost of car insurance as your price depends on your driver profile. Many factors play a role in determining your Dodge Charger insurance costs, from the trim level you own to your car’s age. The only way to understand how much your car insurance will cost is to compare car insurance quotes

Compare the cheapest Dodge Charger car insurance quotes

This may feel complicated, but it doesn’t have to be. Jerry is a car insurance price comparison tool that helps you to easily compare quotes, saving you time and money. Jerry has helped Dodge Charger drivers save an average of $1,601 per year on their car insurance.

Check out the table below to see real, free quotes that real people have gotten from Jerry.

Date of Quote
Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
August 12, 2025 Dodge Charger R/T Clearcover $208 Kathryn, 23, Wagoner, OK State Minimum No
August 12, 2025 Dodge Charger Sxt Geico $72 Grace, 41, St. Louis, MO State Minimum No
August 12, 2025 Dodge Charger R/T Anchor General $237 Susan, 30, San Bernardino, CA 30/60 Yes
August 12, 2025 Dodge Charger Progressive $476 Adele, 19, Clarksville, TN 100/300 Yes
August 12, 2025 Dodge Charger Gt Progressive $175 Frank, 33, Eatontown, NJ 25/50 No
Last Updated Aug. 14, 2025

However, insurance costs can vary greatly even for the same model. In addition to your driving record, ZIP code, and insurance history, insurance companies will consider your car’s model year and trim level when generating a quote.

To find out the rate for your Dodge Charger, you’ll need to get car insurance quotes from at least three insurance companies.

The best car insurance companies for Dodge Charger owners

There’s no single best insurance company for all Dodge Charger owners—car insurance rates are highly personalized, and every insurance company uses a slightly different algorithm to calculate your premiums.

But that doesn’t mean we can’t find the best insurance company for you.

Jerry conducted the largest survey in the nation to help people compare car insurance companies. Check out how drivers rate different insurance companies below.

Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco4.64.444.5
Travelers4.54.24.44.5
Progressive4.33.93.94.3
AAA4.243.84.4
Allstate4.23.63.84.2
USAA43.54.54.2
State Farm43.43.84.2
Farmers43.44.13.9
Geico3.93.33.94
Liberty Mutual3.73.23.53.7

How we gathered this data

Jerry conducted one of the largest car insurance surveys in the U.S., gathering insights from 45,000 policyholders across all 50 states over 24 months. These policyholders, insured by 87 different companies, shared their experiences to help us assess satisfaction in key areas: policy cost, customer service, buying and renewal processes, and claims handling. All scores reflect feedback from real customers.

How much car insurance do you need for a Dodge Charger?

The average cost of Dodge Charger insurance is $231 per month for full coverage and $110 for state minimum coverage– but individual quotes can vary greatly depending on a variety of factors including model year, trim level, driving history coverage levels, and more.

CarAverage Full Coverage Insurance CostAverage State Minimum Insurance Cost
Dodge Charger$231$110
  • Minimum coverage insurance is the minimum amount of coverage legally required in your state, which typically includes at least bodily injury and property damage liability insurance.
  • Full coverage insurance provides financial protection for damage to yourself, your vehicle, and other vehicles and passengers involved in an accident.

While knowing auto insurance averages can be useful, getting personalized quotes is the best way to shop for insurance. Jerry makes quote shopping easy, finding you the best coverage at the best rate.

Why are some trims more expensive to insure than others?

Repair and replacement costs tend to be higher for premium trim levels, making them a higher risk to insurance companies.

Check out the table below to see the average cost of auto insurance for some popular Dodge Charger trims.

CarMonthly minimum coverage costMonthly full coverage cost
Charger Dodge$111$206
Charger Dodge GT$114$249
Charger Dodge Police$117$250
Charger Dodge R/T$112$238
Charger Dodge R/T 392$108$236
Charger Dodge R/T Scat Pack$142$205
Charger Dodge Rallye$99$236
Charger Dodge Scat Pack$114$263
Charger Dodge SE$107$206
Charger Dodge SRT 392$106$284
Charger Dodge SRT Hellcat$70$293
Charger Dodge SRT-8$104$192
Charger Dodge SXT$109$227
Charger Dodge SXT Plus$118$249

Dodge Charger insurance cost by model year

The more recently your Dodge Charger was manufactured, the more it’ll cost to insure. New models are worth more and often have higher repair costs thanks to cutting-edge technology. Check out some see real quotes for Dodge Chargers provided by Jerry to better understand how your driver profile might affect your cost.

2023 Dodge Charger car insurance quotes

Unfortunately, newer cars can also come with higher car insurance rates. Here’s what Jerry drivers pay to insure their 2023 Dodge Charger:

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Charger 2023 Geico $72 Grace, 41, St. Louis, MO State Minimum No
Charger 2023 Progressive $175 Frank, 33, Eatontown, NJ 25/50 No
Charger 2023 Assurance America $160 Danny, 33, Greenwood, IN State Minimum Yes
Charger 2023 Mercury $458 Jerome, 23, Adelanto, CA 100/300 Yes
Charger 2023 Dairyland $71 Mabelle, 49, San Jose, CA 30/60 No
Last Updated Aug. 14, 2025

2022 Dodge Charger car insurance quotes

It’s important to remember that car insurance rates are as unique at the drivers themselves. The best way to understand how much you might pay is to compare real quotes like the ones below from different insurance companies. Check out some real quotes Jerry compared for 2022 Dodge Charger drivers below:

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Charger 2022 Bristol West $744 Darrell, 31, Kaser, NY State Minimum Yes
Charger 2022 Dairyland $565 Josie, 32, Fort Lauderdale, FL No Coverage Yes
Charger 2022 Safeco $349 Tyler, 48, Saint Louis, MO State Minimum Yes
Charger 2022 ROOT $224 Cora, 53, Rosedale, MD State Minimum No
Charger 2022 Trexis $780 Evelyn, 69, Fredericksburg, VA 100/300 Yes
Last Updated August 2025

2021 Dodge Charger car insurance quotes

Jerry compares quotes from over 55+ top insurance companies for you. Compare some real examples of what Jerry drivers pay to insure their 2021 Dodge Charger:

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Charger 2021 Bristol West $891 Nell, 24, Omaha, NE State Minimum Yes
Charger 2021 Trexis $358 Ronnie, 22, Sherwood, AR 25/50 Yes
Charger 2021 Bristol West $572 Patrick, 25, Columbia, SC State Minimum Yes
Charger 2021 Clearcover $1,250 Olivia, 19, Universal City, TX 50/100 Yes
Charger 2021 Progressive $940 Tillie, 19, Newark, NJ 25/50 No
Last Updated Aug. 14, 2025

If your car is more than 3 years old, you might be able to secure a cheaper car insurance rate. Check out how much Jerry drivers are paying to insure their year Dodge Charger with our real quote examples below:

2020 Dodge Charger car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Charger 2020 Clearcover $208 Kathryn, 23, Wagoner, OK State Minimum No
Charger 2020 Bristol West $860 Alejandro, 23, Guyton, GA 100/300 Yes
Charger 2020 Bristol West $1,667 Madge, 20, Sulphur, LA 100/300 Yes
Charger 2020 Clearcover $1,118 Brandon, 41, Union City, GA 100/300 Yes
Charger 2020 ROOT $750 Blanche, 36, Las Vegas, NV 100/300 Yes
Last Updated Aug. 14, 2025

2019 Dodge Charger car insurance quotes

Car
Insurance Coverage
Premium (monthly)
Customer
Insurance Company
Has Full Coverage
Charger 2019 50/100 $270 Ida, 63, Waterbury, CT Progressive Yes
Charger 2019 50/100 $111 Josephine, 30, Fresno, CA Progressive No
Charger 2019 State Minimum $813 Lizzie, 19, Center Point, AL Bristol West Yes
Charger 2019 50/100 $2,378 Mayme, 18, Thomson, GA Trexis Yes
Charger 2019 25/50 $88 Adeline, 19, Pangburn, AR ROOT No
Last Updated Aug. 14, 2025

2018 Dodge Charger car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Charger 2018 Progressive $547 Nettie, 50, Linden, NJ 25/50 No
Charger 2018 National General $484 William, 29, Amarillo, TX State Minimum Yes
Charger 2018 Gainsco $225 Joe, 27, Heath, OH State Minimum Yes
Charger 2018 Liberty Mutual $339 Alan, 45, Columbus, GA State Minimum No
Charger 2018 Bristol West $657 Johanna, 31, Norfolk, VA 100/300 Yes
Last Updated Aug. 14, 2025

2017 Dodge Charger car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Charger 2017 Bristol West $289 Ollie, 41, Atlanta, GA State Minimum No
Charger 2017 Progressive $137 Ricky, 53, Anderson, SC State Minimum No
Charger 2017 Progressive $160 Erik, 54, Montgomery, AL State Minimum Yes
Charger 2017 Geico $205 Emily, 18, Phoenix, AZ State Minimum No
Charger 2017 Bristol West $695 Gabriel, 27, Houston, TX 100/300 Yes
Last Updated Aug. 14, 2025

2016 Dodge Charger car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Charger 2016 Anchor General $237 Susan, 30, San Bernardino, CA 30/60 Yes
Charger 2016 Liberty Mutual $905 Jeremiah, 35, Macon, GA 100/300 Yes
Charger 2016 Bristol West $77 Mittie, 37, Fresno, CA 30/60 No
Charger 2016 ROOT $314 Lucy, 52, Edgewood, MD 100/300 Yes
Charger 2016 Geico $34 Della, 56, Saint Augustine, FL REJ No
Last Updated Aug. 14, 2025

2015 Dodge Charger car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Charger 2015 Dairyland $112 Annie, 39, Baldwin Park, CA 30/60 No
Charger 2015 Clearcover $426 Cole, 34, Oklahoma City, OK State Minimum Yes
Charger 2015 National General $568 Lelia, 20, Oklahoma City, OK State Minimum Yes
Charger 2015 Safeco $154 Dora, 36, Tucson, AZ 50/100 Yes
Charger 2015 Assurance America $128 Adrian, 22, Sun City Center, FL No Coverage No
Last Updated Aug. 14, 2025

2014 Dodge Charger car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Charger 2014 Clearcover $462 Dale, 41, Capitol Heights, MD State Minimum Yes
Charger 2014 Bristol West $89 Rena, 68, North Bend, OR 50/100 Yes
Charger 2014 Progressive $300 Jose, 36, Fairburn, GA State Minimum Yes
Charger 2014 Clearcover $465 Angel, 31, Chaptico, MD 100/300 Yes
Charger 2014 Progressive $177 Jerry, 26, Chicago, IL State Minimum No
Last Updated Aug. 14, 2025

2013 Dodge Charger car insurance quotes

Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
Has Full Coverage
Charger 2013 Progressive $258 Oscar, 32, Gary, IN 50/100 Yes
Charger 2013 ROOT $381 Chad, 25, Houston, TX 50/100 Yes
Charger 2013 Trexis $411 Max, 54, Riverdale, GA State Minimum Yes
Charger 2013 Progressive $155 Marcus, 47, Severn, MD 50/100 Yes
Charger 2013 ROOT $202 Lelia, 20, Mesa, AZ State Minimum No
Last Updated Aug. 14, 2025

Are Dodge Chargers expensive to insure?

The average Dodge Charger insurance rate is $110 per month. Compared to the national average for other models from a similar price range, it is 19% more expensive to insure a Dodge Charger .

CarMonthly minimum coverage costMonthly full coverage cost
Dodge Charger$110$231
Acura CL$94$158
GMC Denali$100$182
Ram 3500$86$225
Volvo XC60$116$174

Why are similar cars more or less expensive to insure? When calculating the cost of your insurance, insurance companies take many factors into consideration. MSRP, trim level, model year, and the cost of repairs are some of the many factors that can influence how much your insurance costs.

Dodge Charger safety features

The safety features of a model will also impact your insurance costs.

A vehicle with more advanced safety features poses a lower risk to insurance companies. As a result, insurance costs will be lower for vehicles with more (and better) safety features.

The Dodge Charger has a variety of safety features. Learn more about them below.

Safety featureDescription
Overhead airbagsOverhead airbags are used to protect the occupant’s heads in the event of a side collision or rollover.
Stability controlStability control automatically senses when the vehicles handling limits have been exceeded and reduces engine power and/or applies select brakes to help prevent the driver from losing control of the vehicle.
Anti-lock brakesABS brakes automatically sense when a tire has stopped rotating under extreme braking, and will modulate the brake pressure to allow the tire to rotate. This increases the vehicles ability to turn while braking.
Side impact airbagsSide impact airbags for the front seats have been designed to protect the torso during a side impact collision.
Security systemThe vehicle is equipped with an ignition disable device that will prevent the engine from starting if the correct original manufacturer key is not used.
Front-impact airbagsFront-impact airbags for the driver and passenger have been designed to protect the head during a frontal crash.
PretensionersSeatbelt pretensioners automatically tighten seatbelts to place the occupant in the optimal seating position during a collision.
Anti-whiplashAnti-whiplash head restraints actively react to rear collision forces and craddle the occupants head in an effort to reduce the likelihood of a whiplash injury.
Knee airbagsKnee airbags help to protect the occupants lower extremities from serious injury in the event of an accident.

What other factors affect Dodge Charger insurance rates?

Many factors influence your car insurance rate, such as:

  • The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
  • Your age: Driver age affects insurance rates too. Drivers under 25 years of age will pay higher insurance rates. Insurance companies consider young drivers to be high risks due to their limited driving experience.
  • Your driving record and claims history: Insurance companies will charge more if you have a history of accidents or tickets.

Dodge Charger insurance cost for young drivers

Teen drivers between the ages of 16 and 19 face the highest insurance costs out of any age group. For teen car owners driving a newer car, full coverage insurance offers better financial protection, since teenagers are more likely to get into accidents.

Dodge Charger insurance cost for senior drivers

As you enter your mid-70s, car insurance costs begin to climb again. Car insurance rates for seniors tend to be higher for several reasons.

Older drivers are more likely to be involved in accidents, and are also more vulnerable to severe injuries in the event of a collision, leading to significant medical expenses and other increased costs for insurance providers.

Dodge Charger insurance cost for drivers with driving violations

Your driving record impacts your auto insurance quotes. Those with a clean driving record are rewarded with lower insurance premiums.

If insurance companies notice a history of violations, they’ll see you as a higher risk and charge you a steeper rate. Some common violations that could increase your insurance rates include:

  • Speeding
  • DUIs
  • At fault accident
  • Reckless driving
  • Driving on a suspended license

Cheapest car insurance for Dodge Charger drivers with speeding ticket

There are varying degrees of speeding. For example, speeding 1-5 MPH over the limit, 6-10 MPH over the limit generally won’t raise your rates as much as speeding over 21 MPH over the limit.

Jerry is proud to help Dodge Charger drivers with varying speeding tickets save on car insurance.

Speeding Type
Car
Insurance Company
Premium (monthly)
Customer
Insurance coverage
Has Full Coverage
Speeding Violation-Major Dodge Charger Se Bristol West $688 Katie, 24, Phoenix, AZ State Minimum No
Speeding Violation-Major Dodge Charger Scat Pack National General $569 Anthony, 23, Ruskin, FL No Coverage Yes
Speeding 11-15 Dodge Charger Police Bristol West $1,231 Eliza, 41, The Bronx, NY State Minimum No
Speeding Violation-Major Dodge Charger Sxt Progressive $1,040 Fred, 26, Milwaukee, WI State Minimum Yes
Speeding 16-20 Dodge Charger R/T Clearcover $717 Adelaide, 29, Lithonia, GA State Minimum No
Last Updated Aug. 13, 2025

Cheapest car insurance for Dodge Charger drivers with a DUI record

If you have a DUI offense on your record, car insurance rates can vary significantly from one insurance company to another.

You may need to compare rates from many insurance companies to find low-cost options after a DUI. Jerry has helped many Dodge Charger drivers obtain affordable auto insurance rates after a DUI.

Cheapest car insurance for Dodge Charger drivers after an accident

One of the most important factors affecting car insurance rates is your car accident or claim history.

If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Jerry has helped many Dodge Charger drivers save on car insurance after car accidents.

Accident type
Car
Insurance Company
Premium (monthly)
Customer
Insurance coverage
Has Full Coverage
Not At Fault Dodge Charger R/T Progressive $333 Eddie, 63, Camden, NJ 25/50 Yes
At Fault With No Injury Dodge Charger Sxt Dairyland $500 Tommy, 43, Jacksonville, FL No Coverage Yes
Not At Fault Dodge Charger R/T Dairyland $291 Micheal, 25, Commerce, CA 50/100 No
Not At Fault Dodge Charger Se First Acceptance $322 Lester, 30, Covington, GA State Minimum No
Not At Fault Dodge Charger Sxt Clearcover $1,015 Nettie, 30, Lithonia, GA State Minimum Yes
Last Updated Aug. 14, 2025

Cheapest car insurance for Dodge Charger drivers with other driving violations on their record

Other driving violations have the power to impact the cost of your insurance, too. In addition to speeding tickets and DUIs, other violations such as reckless driving and driving on a suspended license can also cause your car insurance costs to increase.

We’ve compiled a list of various other driving violations and how we helped Dodge Charger drivers with these violations save on their car insurance.

Violation
Car
Insurance Company
Premium (monthly)
Customer
Insurance coverage
Has Full Coverage
Other Minor Dodge Charger Gt National General $357 Alejandro, 34, Green Springs, OH State Minimum Yes
Failure to Obey Signal Dodge Charger Se The General $181 Clarence, 35, Mesa, AZ State Minimum No
DUI Dodge Charger Se National General $48 Francis, 38, Wilmington, NC 50/100 No
Failure to Obey Signal Dodge Charger R/T Bluefire $366 Hulda, 55, New Braunfels, TX State Minimum Yes
DUI Dodge Charger Sxt Bristol West $777 Leo, 36, Monroe, NJ 25/50 Yes
Last Updated Aug. 13, 2025

How can I lower the cost of insurance for my car?

There are a variety of ways to lower insurance costs for your vehicle.

  • Shop around: Shopping around for insurance coverage by comparing quotes from different insurance providers allows you to find the best coverage at the best price. Jerry makes this process easy by gathering quotes from over 55 top insurance companies in minutes, so you can compare prices. If you find a better deal, Jerry can even help you buy your new policy and cancel your old one.
  • Raise your deductible: Your car insurance deductible is the amount of money you pay out of pocket before your collision or comprehensive coverage kicks in. Raising your deductible reduces monthly insurance payments—but avoid raising it higher than you can afford to pay.
  • Reduce your coverage: If you have any older cars, you can reduce coverage on them to lower your bill. This is a good idea if your car is worth less than 10 times the premium you’re paying.
  • Research discounts: All insurance companies offer discounts, but they’re not always advertised, and your eligibility may vary from provider to provider. Check with your current insurer to see what discounts you might be missing out on.
  • Bundle your insurance policies: Bundling your homeowners and auto insurance with the same company can amount to a lower overall bill.

FAQ

  • How much would insurance be for a Dodge Charger?
  • How much would insurance be for a 2014 Dodge Charger?
  • Is insurance high on a Dodge Charger?
  • What is the cheapest insurance for a Dodge Charger?
  • What factors affect the insurance costs for an 18-year-old driving a Dodge Charger?
  • How much does an 18-year-old pay for a Dodge Charger RT?
MEET OUR EXPERTS
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Kianna Walpole

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.

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Sarah Gray

Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car. Prior to Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.

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Josh Damico

As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.

Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.

Josh holds a bachelor’s degree in business administration and management from Medaille College.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.