Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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UPDATED: Jul 14, 2021

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Important Facts to Know

  • Dodge Charger car insurance is higher than other sedans because it is a sports car
  • Car insurance for a Dodge Charger averages $173 a month
  • Factors like driving history, age, and type of car affect car insurance rates
  • Raising your deductible to $1,000 can lower your auto insurance rates up to 40 percent

How much is insurance for a Dodge Charger? Is a Dodge Charger a sports car for insurance purposes?

The price of Dodge Charger car insurance is higher than your average sedan because it’s considered a sports car. Many factors go into determining car insurance rates, including the type of car you drive and your driving record.

The Charger is Dodge’s contribution to the growing number of four-door sports cars on the market today. Along with other cars like the BMW M3 and Audi S4, they offer the room and practicality of a sedan with the performance of a sports car.

Most people know that sports cars are among the costliest vehicles to insure. But what about these four-door versions? How much is insurance for a Dodge Charger?

The best way to get cheap coverage is to understand the basics of car insurance 101 and compare and rate quotes from multiple companies. Not every company will charge the same rates and offer the same coverage, so shopping around can save you big money.

Let us help you compare car insurance rates. Just enter your ZIP now to get Dodge Charger car insurance quotes today.

Cost of Dodge Charger Car Insurance

How much is car insurance for a 2018 Charger? Is Dodge Charge insurance for an 18-year-old or 19-year-old more expensive?

The average cost of insurance for a brand new Dodge Charger is going to run you around $2,076 a year, or $173 a month. Keep in mind that this is well above the national average for car insurance.

This cost does not factor in age or driving history. Younger drivers or those with accidents or traffic tickets will pay higher rates.

This may not accurately reflect the price you pay, as there are many factors that go into how much an insurance company will charge you for insurance. Some of it will depend upon which engine size you have.

If you are buying a used car, your insurance should be a bit less as the vehicle won’t be worth quite as much. But why is insurance for this particular car more than double the national average?

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What Determines Dodge Charger Car Insurance Cost

In spite of the great safety scores, the Dodge Charger continues to be among the higher-priced cars in insurance. But there are many factors that affect the cost of insurance for any one particular person, so your costs may be far lower or far higher than the national average.

Probably the number one factor, which determines your insurance rates, is your driving record. The effects of a ticket on your car insurance rates will be felt for years.

If you have several tickets or a few accidents on your record, you are going to pay more for insurance on any car than someone with a clean driving record.

This table shows you just how much your car insurance rates are affected by your driving history.

Average Annual Car Insurance Rates by Driving History
CompaniesAverage Annual Rates with a Clean RecordAverage Annual Rates with One AccidentAverage Annual Rates with One DUIAverage Annual Rates with One Speeding Violation
American Family$2,693.61$3,722.75$4,330.24$3,025.74
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
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A clean driving record will keep your car insurance rates around $260. Just one speeding ticket raises those rates to about $305. Keeping your driving record clean will save you over $500 a year.

Demographics have a great deal to do with it as well. Your age, gender, marital status, and location are all important to insurers. This is because it helps put you in the correct risk category.

Will the Dodge Charger insurance costs for a 16-year-old or 18-year-old be significantly higher? Unfortunately, the answer is yes, those rates will be through the roof.

Drivers under the age of 25 and over the age of 80 pay higher insurance costs than other age groups, though the highest is paid by the young drivers. Men also pay higher car insurance rates than women do, simply because men have more accidents according to statistics.

Married people usually get a bit of a break on their insurance costs because they tend to “settle down” and not take as many risks because they have a family.

Where you live and where your car is stored is also a key factor in your insurance costs. Certain areas of the country have a higher crime and accident rate than others. If you live in one of these areas, your insurance will be more than someone with the same driving record and car that lives in a different area of the country.

Just having a garage or driveway to store your car in at night can help bring your insurance costs down.

You might be surprised to learn that poor credit can affect car insurance rates. Most insurance companies also look at your credit scores to help them determine how big of a risk you are.

Not only are they looking to see if you pay your bills on time, but they want to know how responsible you are. People who are responsible with money have been shown to be responsible drivers.

Watch this video to learn factors that affect your car insurance rates.

Do what you can to improve your credit rating and driving record to save you money each year on car insurance.

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Con: Big Engine and Price Tag Equals High Car Insurance Rates

How much is insurance for a Dodge Charger Scat Pack or SXT? These models will be quite a bit more to purchase and insure. The average 2019 Dodge Charger Scat Pack insurance cost will be around $333 a month.

You can blame big engines for higher car insurance rates. The larger than normal engines in the Dodge Chargers, especially the V8 versions, are a large reason why the insurance costs for a Dodge Charger are so much more than you’d pay for most four-door sedans.

Is a Dodge Charger a sports car on insurance? Yes, the Dodge Charger insurance classification is that of a sports car.

They are called four-door sports cars for a reason. Sports cars are built for speed and maneuverability. Speed equals risk to the minds of insurance providers. Risk means more money out of their pocketbooks. In turn, they charge a higher rate to make up the expected losses from drivers of these cars.

Another reason for the sky-high insurance costs is the price of the vehicle. The cost of your vehicle affects your car insurance rates. The base price for a 2012 Dodge Charger with the smaller V6 engine is over $27,000. For an RT max with all-wheel drive, Car and Driver says the base price for it is almost $40,000.

Cars that are more expensive are more expensive to insure. Since most customers have comprehensive and collision coverage on these vehicles, either because they are required to by their lenders or because they want to protect their investment in them, the cost is high to replace them.

Comprehensive and collision coverages pay to repair or replace these vehicles if they are in an accident that is your fault. Replacing these vehicles won’t be cheap. To help cover these higher costs, insurance companies charge more for the comp and collision portions of the car insurance.

If these rates are too high for you, you might consider buying a car that is cheaper to insure. So what is the cheapest car to insure? That would be the Subaru Outback which only costs around $116 a month to insure.

Dodge Charger Specs

The modern Dodge Charger is a four-door sedan that has been produced since 2005. Unlike most modern cars, it is a rear-wheel-drive vehicle, though there are options with all-wheel drive. It only comes with an automatic transmission.

However, the Dodge Charger has been around since the mid-1960s. It was a muscle car made during the great age of muscle cars. It too was rear-wheel drive, though it was a two-door car. It was known for its sleek body styling and large V8 engine.

The Charger underwent several redesigns and re-launches during the 70s and 80s, including a hatchback version. The present incarnation was introduced in 2005 and is built upon the LX platform, as is the Chrysler 300 and the Dodge Magnum, which is no longer in production.

While the name has stayed the same, and the engine is still a big one, little else remains from the original Chargers. The modern Chargers are five-seaters with your choice of three different engines:

  • 3.6L V6, which produces 292 horsepower
  • 5.7 V8 Hemi, which produces 370 horsepower
  • SRT/8, which has a 6.4L V8, producing a whopping 470 horsepower

The V6 gets approximately 21 miles per gallon in town and 27 mpg on the highway. The V8 versions get about 15 mpg in the city and 23 mpg on the highway.

FREE Car Insurance Comparison

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Dodge Charger Safety Features

On the plus side, the Dodge Charger has excellent safety ratings. In fact, it is an Insurance Institute for Highway Safety Top Safety Pick for 2012 in the large car category.

In National Highway Safety Administration testing, the Dodge Charger scored five out of five stars in overall safety for the 2020 model year. It scored four stars in side crashes and rollovers, and four stars in frontal crashes.

These high marks in safety come because, besides the large engine, Dodge has installed many advanced car safety features. They all have four-wheel anti-lock disc brakes. However, braking technology doesn’t end there.

The Charger is also equipped with a brake assist system, including a hydraulic assist brake booster. There’s also a special rain brake assist feature.

Electronic stability control helps the driver keep control of the vehicle while the all-wheel traction control helps the tires maintain contact with the road, even in slippery driving conditions.

Perhaps the most impressive safety feature is the airbag system. Not only are there multi-stage airbags in the front seat, but there are front airbags for the backseat passengers as well. There are also side curtain airbags for both the front and the back seats.

Ways to Lower Car Insurance Costs for a Dodge Charger

No matter what kind of car you drive, there are ways to save some money on your car insurance.

Perhaps the biggest adjustment you can make that has the most impact is to set your deductible at a cost-saving amount. The deductible is your share of the repair to your car if you were to cause an accident.

The more you agree to pay, the less the insurance company will charge you for the comprehensive and collision parts of your insurance policy.

Raising your deductible to $1,000 can lower your car insurance rates by up to 40 percent.

Just keep in mind that you need to have the $1,000. Since you never know when you might have an accident, set aside that $1,000 in a special savings account and don’t spend it except in case of a car accident.

Insurance companies also offer a slew of discounts to their customers. You may not be eligible for all of them, but having even a couple can make a big dent in your insurance costs. Some of these discounts are:

  • Safe driver – no accidents or tickets in the last three to five years
  • Good student – a full-time student under the age of 25 who makes As and Bs
  • Low mileage – A driver who drives less than a certain number of miles a year, often less than 7,500 miles, but check your insurance company for their benchmark.
  • Multi-car – having more than one car on the insurance policy. All the cars on the policy enjoy this discount.

If you have an insurance policy for your home with a separate company, get quotes from your auto insurance company. Having different kinds of insurance with the same company can get you a discount on each of them. Speak with an agent to learn how to get discounts on your car insurance.

Don’t forget to shop around. While one insurance company may charge you a high rate for a Dodge Charger, that doesn’t mean the next one will. Comparing rates between several companies can help you find the best deal on dodge Charger auto insurance.

Start comparing now Dodge Charger car insurance rates by entering your ZIP now.