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Dodge Charger Car Insurance

Edited by Alyssa DiCrasto

Reviewed by Rob Deming

Last updated: February 26th, 2024

The average cost to insure a Dodge Charger is $3,186 a year. However, the price you’ll pay for Dodge Charger insurance will depend on the year and trim level of your specific Dodge Charger. Other factors, like where you live, will also affect your rates.

What does it cost to insure my Dodge Charger?

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Why you can trust Rate Retriever

Our rates are based on public rate filings obtained by analytics company First Interpreter. While we may partner with some of the carriers you see on our site, we maintain editorial independence and it does not affect the rates you see. Read more about our rating methodology or see our rigorous editorial policy. 

Last updated: February 26th, 2024

Is it expensive to insure a Dodge Charger?

In general, a Dodge Charger can be considered expensive to insure compared to other cars because the average cost of insurance for a Charger is higher than the overall average. Newer model years may have higher insurance costs because they are worth more, and replacement parts can be more costly. The trim level of a Charger can also impact insurance rates, with higher trim levels typically costing more to insure due to their added value and features. The Charger SXT, for example, may have features like a powerful V6 engine or advanced safety technology that could make it more expensive to insure compared to a base model.

Average Annual Premium by Trim Level for a Dodge Charger

Dodge Charger insurance cost by year

The model year of your Dodge Charger will also impact the cost of car insurance. Generally, newer models cost more to insure than older models. A 2023 Charger SXT costs about $3,186 to insure on average, so you can expect older model years to be less expensive. The table below shows the average cost to insure different Charger SXT model years in 2024. 

Average Annual Premium by Model Year for a Dodge Charger

Annual rates for a single 35-year-old male, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024. 

Best car insurance companies for your Dodge Charger

The table below shows an average of how much it costs to insure a 2023 base model Dodge Charger at popular insurance companies for a single 35-year-old male with a clean driving record. The listed companies provide coverage in a large portion of the US, but might not be available near you.

Click here to see what it would cost to insure your Dodge Charger at top providers near you >

Annual rates for a single 35-year-old male, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of January 2024. 

How expensive is it to insure a Dodge Charger compared to other Sports Cars?

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How can you save money on insurance for your Dodge Charger? 

While the vehicle you drive plays a key role in the price you pay for insurance, other factors like where you live, your age, driving record, and more will also factor into the price of your premium. Because of this, the best way to save money on car insurance is to compare personalized rates from several insurance companies to find the cheapest premium for you. You should also see if you qualify for any discounts like a homeowner, multi-vehicle, or good driver discount.

Your Dodge Charger may also be eligible for discounts at certain insurance companies depending on the safety ratings and features that come with your model year and trim level.

How much should I expect to pay to insure my Dodge?

Personalized rate estimates at the top insurance companies in your state

Your rates will vary based on where you live, your age, and other factors like your driving record

Frequently asked questions

How much is insurance on a Dodge Charger?

The average annual cost of car insurance for a 2023 Dodge Charger with base trim is $3,186. However, the price you'll pay for car insurance will vary based on where you live, what coverage you want, and personal factors like your age and credit score.

Is Dodge Charger expensive to insure?

Yes, the Dodge Charger is expensive to insure, as its average cost of $3,186 is $1,063 higher than the overall average cost of car insurance.

How can I get cheaper car insurance?

One way you can try to get cheaper car insurance is simply to get quotes from multiple providers. This will help you determine what company has the cheapest rates for you based on your needs and driver profile. You can also check with your provider to see if there are any discounts you qualify for or can reasonably earn.

Methodology

Rate Retriever rates are based on public rate filings obtained by analytics company First Interpreter. This data comes from the rating plans insurance carriers submit to each state’s department of insurance. Rating plans detail how each carrier calculates premiums using factors such as location, age, gender, and driving record, and they ensure that insurance premiums are both fair and competitive. 

For the data on this page, we made the following assumptions: a 35-year-old single male with a clean driving record and Good credit score. We adjusted this profile by vehicle make, model, trim, and year to determine the rates you see on this page.

These rates are not actual quotes and should only be used for comparative purposes. Your rates can vary significantly based on your unique driver profile. 

About Rate Retriever

At Rate Retriever, our mission is to make the way you shop for insurance transparent and fair through user-friendly tools that respect your privacy and deliver reliable, comprehensive results 

So we took everything we hated about comparing insurance quotes online – the spam, the long questionnaires, the limited choices, the inaccuracy of quote prices – and threw it out the window, favoring a short form that more accurately estimates what you’ll pay at each of the top insurance providers near you. 

Rate Retriever is an independent company that is not owned by an insurance provider, nor do we provide insurance ourselves. This independence allows us to be your free and impartial insurance research tool, helping you make the best decisions for your insurance needs.  

We may earn a commission when you click one of the links or call one of the providers listed on our site; however, we do not allow our partnerships to influence which information we provide.