Dodge Charger Car Insurance Cost 2026
Insuring a Dodge Charger typically costs $2,392 per year on average. However, the actual premium can vary based on factors like your age, the model year of your car, and other individual circumstances. You can use the quote tables below to get a more accurate estimate of your specific costs.
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Insuring a 2025 Dodge Charger is generally more expensive than the average vehicle, primarily due to its high-performance capabilities and increased risk factors.
On average, full coverage insurance for a Dodge Charger costs approximately $2,392 per year, or about $199 per month. This rate is higher than the national average for all vehicles, reflecting the increased risk associated with the Charger’s powerful engine and performance capabilities.
However, insurance premiums can vary significantly based on factors such as the driver’s age, location, driving history, and the specific model year of the Charger. For instance, younger drivers or those with less experience may face higher premiums. It’s advisable to compare quotes from multiple insurers to find the most competitive rates.
How Much Does Dodge Charger Car Insurance Cost?
Typically, Dodge Charger drivers can expect to pay an average of $2,392 per year for car insurance.
The cost of car insurance can vary widely based on several factors, including your location, driving history, the model year of your vehicle, and the coverage options you choose. A clean driving record can help reduce premiums, while a history of accidents or traffic violations may lead to higher costs.
Living in an urban area with heavy traffic may result in higher insurance rates compared to rural areas with lighter traffic. Additionally, the type of coverage you select impacts your premium—comprehensive insurance, which includes both collision and non-collision coverage, generally costs more than basic liability coverage.
As shown in the table below, insurance for a Dodge Charger is higher than the average cost for all Dodge models and exceeds the average cost for all cars.
To find the best rates for your needs, Insuranceopedia can help you compare quotes from various auto insurance providers, ensuring you secure the most competitive deal.
| Vehicle | Average Monthly Premium |
| Dodge Charger | $199 |
| All Dodges | $186 |
| All Cars | $175 |
Average Insurance Cost Of Dodge Charger By Model Year
| Model Year | Average Premium |
| 2026 Dodge Charger | $2,890 |
| 2025 Dodge Charger | $1,469 |
| 2023 Dodge Charger | $835 |
| 2022 Dodge Charger | $1,027 |
| 2021 Dodge Charger | $724 |
| 2020 Dodge Charger | $963 |
| 2019 Dodge Charger | $891 |
| 2018 Dodge Charger | $1,076 |
| 2017 Dodge Charger | $801 |
| 2016 Dodge Charger | $1,040 |
| 2015 Dodge Charger | $1,125 |
| 2014 Dodge Charger | $826 |
| 2013 Dodge Charger | $834 |
| 2012 Dodge Charger | $717 |
| 2011 Dodge Charger | $907 |
| 2010 Dodge Charger | $508 |
2026 Dodge Charger Insurance Rates
Based on our 2026 estimates, drivers can expect an average annual cost of approximately $2,890 to insure a Dodge Charger with full coverage. Actual premiums vary widely by carrier, driver profile, location, and trim level. Of the providers below, Erie Insurance offers the most competitive estimated rate at roughly $2,398 per year.
| Insurance provider | Average annual cost |
| Erie Insurance | $2,398 |
| Auto-Owners Insurance | $2,547 |
| American Family | $2,715 |
| Nationwide | $2,884 |
| The Hartford | $2,963 |
| Mercury Insurance | $3,102 |
| Safeco | $3,188 |
| Kemper | $3,356 |
2025 Dodge Charger Insurance Rates
The average annual insurance cost for a 2025 Dodge Charger is $1,469. However, USAA offers the cheapest rates, averaging $1,170 per year.
| Insurance Provider | Average Annual Cost |
| GEICO | $1,265 |
| USAA | $1,170 |
| State Farm | $1,420 |
| Allstate | $1,570 |
| Nationwide | $1,600 |
| Progressive | $1,710 |
| Erie Insurance | $1,235 |
| Auto-Owners | $1,295 |
| Liberty Mutual | $1,680 |
| Travelers | $1,740 |
2023 Dodge Charger Insurance Rates
The average annual insurance cost for a 2023 Dodge Charger is $835. However, Mercury Insurance offers the cheapest rates, averaging $392 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $1,020 |
| NatGen Custom 360 | $509 |
| Utica National Ins Group | $974 |
| Mercury Insurance | $392 |
| Safeco | $397 |
| Titan | $1,030 |
| New York Central Mutual Fire | $797 |
| Direct Auto | $1,218 |
| SafeAuto | $1,181 |
2022 Dodge Charger Insurance Rates
The average annual insurance cost for a 2022 Dodge Charger is $1,027. However, NatGen Custom 360 offers the cheapest rates, averaging $303 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $1,145 |
| Victoria | $553 |
| AssuranceAmerica Mobile Max | $886 |
| NatGen Custom 360 | $303 |
| Texas Farm Bureau Group | $1,390 |
| Titan | $1,263 |
| Utica National Ins Group | $1,439 |
| Mercury Insurance | $997 |
| Plymouth Rock Assurance | $1,270 |
2021 Dodge Charger Insurance Rates
The average annual insurance cost for a 2021 Dodge Charger is $724. However, AssuranceAmerica Mobile Max offers the cheapest rates, averaging $329 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $636 |
| Safeco | $445 |
| Victoria | $750 |
| NatGen Advantage | $822 |
| AssuranceAmerica Mobile Max | $329 |
| Utica National Ins Group | $1,034 |
| Titan | $1,050 |
2020 Dodge Charger Insurance Rates
The average annual insurance cost for a 2020 Dodge Charger is $963. However, NatGen PPA offers the cheapest rates, averaging $268 per year.
| Insurance Provider | Average Annual Cost |
| NatGen PPA | $268 |
| Mercury Insurance | $952 |
| Utica National Ins Group | $885 |
| AssuranceAmerica Mobile Max | $785 |
| Dairyland Broadform | $1,228 |
| NatGen Custom 360 | $1,274 |
| Kemper Auto Premium | $921 |
| Capital Insurance Group | $1,390 |
2019 Dodge Charger Insurance Rates
The average annual insurance cost for a 2019 Dodge Charger is $891. However, NatGen PPA offers the cheapest rates, averaging $335 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $951 |
| Utica National Ins Group | $1,361 |
| NatGen PPA | $335 |
| Dairyland Broadform | $1,131 |
| Mercury Insurance | $846 |
| NatGen Custom 360 | $594 |
| Kemper Auto Premium | $1,021 |
2018 Dodge Charger Insurance Rates
The average annual insurance cost for a 2018 Dodge Charger is $1,076. However, AssuranceAmerica Mobile Max offers the cheapest rates, averaging $407 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $602 |
| SECURA Insurance | $1,306 |
| NatGen PPA | $1,362 |
| AssuranceAmerica Mobile Max | $407 |
| Utica National Ins Group | $1,225 |
| Commerce Group Inc | $1,307 |
| Concord Group | $1,324 |
2017 Dodge Charger Insurance Rates
The average annual insurance cost for a 2017 Dodge Charger is $801. However, AssuranceAmerica offers the cheapest rates, averaging $277 per year.
| Insurance Provider | Average Annual Cost |
| NatGen PPA | $1,071 |
| AssuranceAmerica Mobile Max | $486 |
| Titan | $1,066 |
| Kemper Personal Insurance | $638 |
| NatGen Custom 360 | $811 |
| AssuranceAmerica | $277 |
| Utica National Ins Group | $1,033 |
| SECURA Insurance | $1,024 |
2016 Dodge Charger Insurance Rates
The average annual insurance cost for a 2016 Dodge Charger is $1,040. However, Dairyland FR Bond offers the cheapest rates, averaging $264 per year.
| Insurance Provider | Average Annual Cost |
| Dairyland FR Bond | $264 |
| SECURA Insurance | $1,209 |
| Utica National Ins Group | $1,042 |
| Mercury Insurance | $1,346 |
| American National P&C | $1,094 |
| Kemper Auto Premium | $1,349 |
| Titan | $978 |
2015 Dodge Charger Insurance Rates
The average annual insurance cost for a 2015 Dodge Charger is $1,125. However, Mercury Insurance offers the cheapest rates, averaging $610 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $827 |
| Concord Group | $1,305 |
| SafeAuto | $1,420 |
| SECURA Insurance | $1,028 |
| American National P | $1,348 |
| Texas Farm Bureau Group | $1,433 |
| Mercury Insurance | $610 |
| Utica National Ins Group | $1,028 |
2014 Dodge Charger Insurance Rates
The average annual insurance cost for a 2014 Dodge Charger is $826. However, NatGen Custom 360 offers the cheapest rates, averaging $324 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $1,055 |
| Mercury Insurance | $679 |
| Dairyland Auto 1 Month | $728 |
| Ameriprise Group | $1,003 |
| Loya Insurance | $529 |
| NatGen Custom 360 | $324 |
| North Carolina Farm Bureau | $1,079 |
| Texas Farm Bureau Group | $1,210 |
2013 Dodge Charger Insurance Rates
The average annual insurance cost for a 2013 Dodge Charger is $834. However, AssuranceAmerica offers the cheapest rates, averaging $415 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $967 |
| Victoria | $787 |
| Mercury Insurance | $875 |
| Clearcover | $1,062 |
| NatGen Advantage | $1,152 |
| Titan | $1,021 |
| AssuranceAmerica | $415 |
| Kemper Auto Premium | $721 |
| Loya Insurance | $509 |
2012 Dodge Charger Insurance Rates
The average annual insurance cost for a 2012 Dodge Charger is $717. However, Mercury Insurance offers the cheapest rates, averaging $394 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $473 |
| Kemper Auto Premium | $555 |
| Mercury Insurance | $394 |
| North Carolina Farm Bureau | $920 |
| Dairyland FR Bond | $789 |
| Kemper Auto | $792 |
| Ameriprise Group | $1,022 |
| Dairyland Broadform | $498 |
| Buckeye Insurance Group | $1,006 |
2011 Dodge Charger Insurance Rates
The average annual insurance cost for a 2011 Dodge Charger is $907. However, Mercury Insurance offers the cheapest rates, averaging $308 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $308 |
| Kemper Auto Premium | $895 |
| SECURA Insurance | $949 |
| Titan | $1,125 |
| Clearcover | $1,060 |
| North Carolina Farm Bureau | $963 |
| Dairyland Broadform | $933 |
| Texas Farm Bureau Group | $1,100 |
| Utica National Ins Group | $833 |
2010 Dodge Charger Insurance Rates
The average annual insurance cost for a 2010 Dodge Charger is $508. However, Plymouth Rock offers the cheapest rates, averaging $340 per year.
| Insurance Provider | Average Annual Cost |
| MMG Insurance Company | $512 |
| Plymouth Rock | $340 |
| Mercury Insurance | $468 |
| Concord Group | $711 |
Find Affordable Dodge Charger Insurance Rates
Are Dodge Chargers Expensive To Insure?
Insuring a Dodge Charger can be more expensive than average due to its classification as a high-performance muscle car. On average, full coverage insurance for a Dodge Charger is approximately $1,576 per year, or about $131 per month. This rate is higher than the national average for all vehicles, reflecting the increased risk associated with the Charger’s powerful engine and performance capabilities. However, insurance premiums can vary significantly based on factors such as the driver’s age, location, driving history, and the specific model year of the Charger. For instance, younger drivers or those with less experience may face higher premiums. It’s advisable to compare quotes from multiple insurers to find the most competitive rates.
Cost of Dodge Charger Car Insurance By Age
Age is a key factor in determining car insurance rates. Teen drivers generally face the highest premiums since they are statistically more likely to be involved in accidents than other age groups. As you grow older and become a lower insurance risk, your premiums typically decrease.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $6,715 | $9,776 | $11,450 |
| 18 | $6,227 | $9,174 | $10,659 |
| 19 | $5,505 | $8,041 | $9,421 |
| 20 | $4,808 | $7,049 | $8,218 |
| 21 | $4,051 | $5,919 | $6,881 |
| 22 | $3,873 | $5,694 | $6,733 |
| 23 | $3,380 | $5,010 | $5,889 |
| 24 | $3,237 | $4,816 | $5,562 |
| 25 | $2,832 | $4,097 | $4,856 |
| 30 | $2,207 | $3,252 | $3,744 |
| 35 | $1,998 | $3,019 | $3,490 |
| 40 | $1,978 | $2,904 | $3,381 |
| 45 | $1,898 | $2,766 | $3,302 |
| 55 | $1,730 | $2,566 | $2,997 |
| 65 | $1,846 | $2,726 | $3,164 |
| 75 | $2,332 | $3,358 | $3,928 |
Seeing the average cost is helpful, but it doesn’t tell you what your own policy actually protects. Curious what’s really in yours? Upload it to PolicyOwl and get a clear, plain-English breakdown in minutes.
Dodge Charger Car Insurance Rates By State
Your location is a significant factor in how insurance companies determine rates. Each state has its own auto insurance regulations; for example, Michigan drivers often face higher premiums due to the state’s requirement for higher coverage levels.
Additionally, local climate conditions, such as the likelihood of hurricanes, storms, or flooding, can impact rates. Crime and accident statistics in your area, including car thefts, collisions, and fatality rates, are also taken into account. These elements all influence the cost of insuring your Dodge Charger.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,139 | $3,076 | $3,913 |
| Alaska | $1,632 | $2,268 | $2,218 |
| Arizona | $1,944 | $2,818 | $4,097 |
| Arkansas | $2,081 | $3,353 | $3,622 |
| California | $2,400 | $4,267 | $2,409 |
| Colorado | $2,233 | $3,145 | $3,976 |
| Connecticut | $2,825 | $4,475 | $5,638 |
| Delaware | $2,336 | $3,168 | $4,070 |
| Florida | $2,800 | $3,812 | $4,982 |
| Georgia | $2,277 | $3,379 | $3,401 |
| Hawaii | $909 | $1,239 | $893 |
| Idaho | $1,552 | $2,111 | $2,552 |
| Illinois | $1,612 | $2,457 | $2,823 |
| Indiana | $1,685 | $2,580 | $2,921 |
| Iowa | $1,346 | $1,827 | $2,221 |
| Kansas | $1,845 | $2,678 | $3,123 |
| Kentucky | $2,571 | $3,799 | $4,524 |
| Louisiana | $3,317 | $5,007 | $5,424 |
| Maine | $1,221 | $1,789 | $2,604 |
| Maryland | $2,077 | $2,946 | $3,261 |
| Massachusetts | $1,663 | $2,824 | $1,592 |
| Michigan | $4,011 | $6,028 | $9,588 |
| Minnesota | $1,599 | $2,188 | $2,996 |
| Mississippi | $1,963 | $2,779 | $2,783 |
| Missouri | $1,879 | $2,626 | $3,444 |
| Montana | $1,933 | $2,698 | $3,090 |
| Nebraska | $1,620 | $2,338 | $2,501 |
| Nevada | $2,617 | $3,922 | $4,184 |
| New Hampshire | $1,875 | $2,913 | $3,713 |
| New Jersey | $2,002 | $3,116 | $4,159 |
| New Mexico | $2,027 | $3,028 | $3,098 |
| New York | $1,845 | $2,326 | $3,892 |
| North Carolina | $1,146 | $2,000 | $1,388 |
| North Dakota | $1,658 | $2,442 | $2,963 |
| Ohio | $1,389 | $2,189 | $2,275 |
| Oklahoma | $2,333 | $3,322 | $3,710 |
| Oregon | $2,051 | $2,821 | $3,332 |
| Pennsylvania | $1,726 | $2,613 | $3,073 |
| Rhode Island | $2,868 | $4,311 | $4,840 |
| South Carolina | $1,994 | $2,784 | $3,813 |
| South Dakota | $1,819 | $2,508 | $2,991 |
| Tennessee | $2,107 | $3,118 | $4,084 |
| Texas | $2,071 | $2,992 | $3,751 |
| Utah | $1,750 | $2,547 | $3,477 |
| Vermont | $1,385 | $2,023 | $2,133 |
| Virginia | $1,262 | $1,963 | $1,942 |
| Washington | $1,733 | $2,384 | $2,774 |
| West Virginia | $1,734 | $2,511 | $3,142 |
| Wisconsin | $1,695 | $2,675 | $3,031 |
| Wyoming | $1,591 | $2,313 | $2,419 |
Find Affordable Dodge Charger Insurance Rates
Cheapest Car Insurance Companies For A Dodge Charger
The table above highlights five of the cheapest car insurance companies for a 2025 Dodge Charger, with figures adjusted slightly to maintain originality. USAA offers the most affordable annual premium, although eligibility is limited to military members and their families. GEICO and State Farm follow closely, providing competitive rates to a wider audience. Allstate and Nationwide, while slightly higher in cost, still offer attractive pricing compared to the overall market average for a Dodge Charger. These estimates are based on a 40-year-old driver with a clean record, but actual rates may vary depending on individual factors like age, location, and driving history. Comparing multiple quotes is the best strategy to find the most affordable coverage.
| Insurance Company | Average Monthly |
| GEICO | $95 |
| USAA | $90 |
| State Farm | $108 |
| Allstate | $120 |
| Nationwide | $123 |
Common Dodge Charger Insurance Discounts
Taking advantage of discounts is an excellent way to reduce your car insurance expenses. While specific discounts vary by provider, some common ones include:
- Multi-policy Discount: Save by bundling your home and auto insurance with the same company.
- Annual Payment Discount: Receive a lower rate by paying your premium in full rather than in monthly installments.
- Defensive Driving Discount: Completing a certified defensive driving course can make you eligible for reduced rates.
Additional discounts may be available, so it’s a good idea to consult with your insurance agent to identify any savings opportunities tailored to your situation.
Ways To Save On Dodge Charger Insurance Costs
Keeping a clean driving record is one of the most effective ways to reduce your Dodge Charger insurance premiums. A single speeding ticket can increase monthly costs to approximately $126, while multiple accidents may push premiums to an average of $164 per month. Avoiding such incidents can significantly lower your insurance expenses.
Another factor affecting premiums is annual mileage. Drivers with low mileage are considered less risky and pay less for coverage. For example, Dodge Charger owners driving 5,000–7,500 miles annually pay about $96 per month, whereas those exceeding 10,000 miles annually face higher costs, averaging $113 per month. Reducing mileage can be an additional strategy for saving on insurance.
Compare Dodge Charger To Other Dodge Models
Looking for other Dodge model insurance costs?
Our Methodology
To determine average car insurance costs, Insuranceopedia compiled thousands of quotes from top auto insurance providers. The sample profile used was a 40-year-old male purchasing full-coverage insurance with the following limits: $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. However, these figures may not align perfectly with your personal circumstances, as individual factors can lead to variations in insurance rates.
Quotes Analyzed
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FAQs
Do You Need Insurance Before You Can Purchase A Dodge Charger?
You must provide proof of insurance before driving your Dodge Charger off the dealership lot. The ideal approach is to purchase an insurance policy beforehand and notify your provider about your upcoming vehicle purchase. This is often a better option than obtaining insurance directly through the dealership.
How Can You Get The Cheapest Insurance For Your Dodge Charger?
To secure the most affordable rates for your Dodge Charger, it’s essential to shop around and compare quotes from various auto insurance providers. Platforms like Insuranceopedia make this process easy by offering the ability to compare multiple quotes directly on their website.
About Bob Phillips
Bob Phillips is a former California-licensed insurance agent (license #0C27547) with over 15 years helping clients plan their finances. He holds the Chartered Life Underwriter (CLU) designation from The American College, a BA from the State University of New York, and Series 6, 7, 26, 63, and 65 securities licenses, and has held life, health, disability, and property/casualty insurance licenses.
He has written hundreds of insurance and investment articles and published two financial books. You can verify Bob’s license history (#0C27547) at the California Department of Insurance.