Car insurance for Dodge Chargers in 2025

How much does it cost to insure a Dodge Charger?

The average annual cost of car insurance for a Dodge Charger is $4,759 for full coverage and $840 for minimum coverage, according to data from Quadrant Information Services. Compared to the national average of $2,670 per year for full coverage and $773 for minimum, the Charger stands out as one of the most expensive vehicles to insure.

The make and model of your vehicle impacts your insurance rates because insurance companies consider factors like a vehicle’s intended use, repair costs, safety features, theft rates and value to determine premiums. The fact that the Dodge Charger is a high-performance car may drive up average rates for these models as insurers typically see drivers of these cars as more likely to engage in risky driving behavior like speeding. Data from the Insurance Institute for Highway Safety (IIHS) backs this up: Dodge Chargers have a rate of liability claims between 108 percent and 160 percent higher than the average for passenger vehicles, and especially high-powered trims like the SRT Hellcat generate staggering rates of insurance claims. IIHS also assigns lower safety ratings to the Charger than other comparable cars.

In addition to your Charger's age and mileage, insurers will also consider your personal rating factors when determining your rates. Depending on the state you live in, these could include your age, location, claims history, credit history, driving record and more.

What factors impact my Dodge Charger insurance rate? 

Multiple factors go into determining your auto insurance rate. Some are related to you, the car owner, and others are related to the car. Some Dodge-specific factors that may affect Dodge Charger insurance rates include:

• Engine size: The bigger your Charger’s engine, the more likely it is that your insurance company will charge a high rate. Less power and speed from the V6 engine means that the SXT and GT are typically cheaper to insure compared to any Charger outfitted with a V8.
• Upgrades and customizations: Any component of your vehicle that could be damaged is a component that your insurance company has to cover. That means that options like the Blacktop package, touchscreen navigation or driver convenience features could add to your insurance bill, not just your upfront costs.
• Crash test results: The Dodge Charger received mixed safety scores from the IIHS. The Charger earned "good" ratings for things like its roof strength and seats in crash tests, but it received lower marks for its structure, safety cage and lower leg protection in crash tests. The Charger isn’t rated for safety by the National Highway Traffic Safety Administration (NHTSA).

Vehicle features that impact Dodge Charger insurance costs

Dodge Chargers are considered “muscle cars” — cars that deliver more in the way of power and performance than an average vehicle. That, along with other factors common to these cars, may impact Dodge Charger insurance costs.

• V8 engine: If you’re torn between the GT and the Scat Pack, keep your insurance premium in mind. Opting for a Charger with a V8 engine instead of the standard V6 will indicate to your insurer that you’re more likely to engage in risky driving habits like speeding, which could raise both the odds of an accident and the amount of your potential liability costs if an accident were to happen.
• On-demand all-wheel drive: Modern Charger SXT and GT models feature the ability to switch to all-wheel drive when the weather demands it. This safety feature may save you money by lowering your risk of winter accidents.
• Cosmetic packages: Adding packages like the Blacktop package or the HEMI Orange package could add to your insurance costs, since collision claims may need to cover the extra costs to replace these specialized accents.
• Advanced driver safety aids: You’ll have access to a wide range of advanced safety technology like blind spot monitoring and adaptive cruise control. Adding safety features could help to reduce your premium by improving on-road safety, but they’ll also add to your potential repair costs.
• Racing: Most standard personal auto insurance policies don’t cover driving on a racetrack. If you’re planning to bring your Charger to the track, talk to your insurance agent first and ensure that you have the right coverage.

Best cheap car insurance companies for a Dodge Charger

No single car insurance company has the best rates for all Dodge Charger owners. Personal factors, such as your age, driving record and credit score, along with vehicle- and location-related factors, may make one carrier a better fit for your insurance needs than another. However, when we analyzed data from Quadrant Information Services, we found that some companies offer cheaper average rates for Dodge Charger auto insurance. If you’re looking for cheap Dodge Charger insurance, you may want to start with quotes from the companies listed below.

How can you save money on Dodge Charger car insurance?

Average rates for Dodge Chargers are higher than the national average, but you may be able to lower your premium with the following tips:

• Bundle and stack discounts: Most carriers offer at least a handful of discounts for policy savings, and the most significant discounts are typically multi-car discounts and bundling discounts. Other common savings opportunities include good student discounts, paid-in-full discounts, military discounts and safe driver discounts.
• Shop around and compare rates: With a high-risk vehicle like the Dodge Charger, it’s important to find an insurer whose underwriting processes give you the most generous rates. The right insurance company is different for every Charger owner — compare rates from at least a few companies in order to find your best fit.
• Maintain a good driving record: High rates for Chargers are based in part on the likelihood of crashes associated with muscle cars. Demonstrating that you’re not a high-risk driver by avoiding tickets and accidents can help to keep your rates comparatively low.

Other car insurance coverage for a Dodge Charger

Although most states mandate that you carry liability coverage, there are other optional types of insurance that may provide you with more financial protection in the event of an accident. The most common are collision and comprehensive. While liability protects the other driver and car in an accident, these two types of insurance cover your car and passengers following an accident or other causes of loss, such as vandalism or theft, regardless of fault. If your Charger is financed, your lender likely requires you to carry both of these types of coverage.

Other types of insurance that may be worth considering are uninsured and underinsured motorist coverage, which covers you if you’re involved in an accident with a driver who has no insurance, or not enough insurance to cover costs. Depending on your state’s insurance requirements, this type of coverage could be mandatory or optional.

If you have a new Charger, you may also want to consider new car replacement insurance, which ensures that you’d have enough in your claim payout to purchase a replacement vehicle if you’re in an accident. A similar option is gap insurance, which pays the difference between what your totaled new car is worth and what you owe on your car loan.

What real-life Dodge Charger owners say about insuring their ride

With a car as personal as the Charger, auto insurance rates can fluctuate significantly based on personal factors, from driver age and record to location, package options and engine size. To get a sense of what real Charger owners typically pay for insurance, we turned to Hellcat.org and Reddit’s r/Charger, two forums where Charger owners exchange information about their ownership experience. In both places, we found some owners complaining about steep insurance prices, while others chimed in with strategies they’ve used to lower their rates, such as comparison shopping, putting cars into storage and opting for a classic car policy.

Hellcat.org

Reddit

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze February 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2023 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Model: To determine cost by vehicle type, we evaluated our base profile with the following vehicles applied: 2022 Dodge Charger R/T.