Dodge Charger insurance costs average $141 monthly for minimum coverage and $272 for full coverage. Depending on your particular trim and model year, costs can range from $63 to $739 monthly.
Dodge Charger Insurance Cost
Updated: November 16, 2025
Key Takeaways
Dodge Charger insurance costs vary widely from $89 to $739 monthly, with higher trim levels and newer model years driving up premiums substantially.
The Charger ranks 696th out of 827 vehicle models for insurance affordability in the US market, making it one of the most expensive cars to insure.
GEICO offers the most affordable Dodge Charger coverage with full coverage at $179 monthly and minimum coverage at $83 monthly.
How Much Is Dodge Charger Insurance?
| Dodge Charger | $141 | $272 |
Dodge Charger Insurance Cost by Model Year
Your Dodge Charger's model year and available trims directly impact insurance rates. Newer models cost more to insure because of their higher fair market value. Monthly premiums range from $68 for older Chargers to $533 for the newest models.
| 2025 | $274 | $533 |
| 2024 | $257 | $499 |
| 2023 | $254 | $494 |
| 2022 | $214 | $416 |
| 2021 | $176 | $342 |
| 2020 | $143 | $278 |
| 2019 | $118 | $230 |
| 2018 | $96 | $186 |
| 2017 | $92 | $178 |
| 2016 | $182 | $351 |
| 2015 | $162 | $313 |
| 2014 | $111 | $213 |
| 2013 | $98 | $189 |
| 2012 | $99 | $192 |
| 2011 | $68 | $132 |
| 2010 | $92 | $177 |
| 2009 | $117 | $226 |
| 2008 | $107 | $205 |
| 2007 | $103 | $197 |
| 2006 | $95 | $184 |
Dodge Charger Insurance Cost by Trim
Your Dodge Charger's trim level dramatically affects insurance costs based on its performance features, rarity and market value. Our research shows monthly premiums range from $76 for basic models to $687 for high-performance variants like the Hellcat Jailbreak Widebody.
| Sedan 4d | $76 | $147 |
| Se Sedan 4d | $81 | $156 |
| Sxt Plus Sedan 4d | $84 | $162 |
| Sxt Sedan 4d | $91 | $175 |
| Daytona 392 Sedan 4d | $92 | $178 |
| R/T Plus Sedan 4d | $94 | $182 |
| Rallye Sedan 4d | $98 | $188 |
| Sxt 100th Anniversary Edition Sedan 4d | $98 | $190 |
| R/T Max Sedan 4d | $99 | $190 |
| R/T 100th Anniversary Edition Sedan 4d | $100 | $192 |
| Gt Sedan 4d | $104 | $201 |
| R/T Sedan 4d | $105 | $203 |
| R/T Road/Track Sedan 4d | $106 | $204 |
| Daytona Sedan 4d | $111 | $216 |
| Gt Plus Sedan 4d | $117 | $227 |
| Srt8 Superbee Sedan 4d | $137 | $264 |
| R/T Scat Pack Sedan 4d | $147 | $285 |
| Srt 392 Sedan 4d | $154 | $297 |
| Srt8 Sedan 4d | $158 | $304 |
| Srt8 Super Bee Sedan 4d | $161 | $311 |
| R/T Road & Track Sedan 4d | $168 | $323 |
| Scat Pack Sedan 4d | $175 | $340 |
| Srt Hellcat Sedan 4d | $194 | $377 |
| Scat Pack Widebody Sedan 4d | $203 | $394 |
| Daytona R/T | $249 | $485 |
| Daytona Scat Pack | $282 | $548 |
| Srt Hellcat Widebody Sedan 4d | $290 | $565 |
| Srt Hellcat Redeye Widebody Sedan 4d | $322 | $627 |
| Srt Hellcat Redeye Jailbreak Widebody Sedan 4d | $344 | $670 |
| Srt Hellcat Jailbreak Widebody Sedan 4d | $353 | $687 |
Dodge Charger Insurance Cost by Company
Dodge Charger insurance costs vary by provider from $131 to $352 monthly. Minimum coverage ranges from $83 to $207, while full coverage costs $179 to $505. Rates vary due to different risk assessment models.
| AAA | $152 | $316 |
| AIG | $200 | $505 |
| Allstate | $162 | $316 |
| Amica | $169 | $346 |
| Chubb | $195 | $388 |
| Farmers | $200 | $354 |
| GEICO | $83 | $179 |
| Kemper | $137 | $274 |
| Nationwide | $184 | $318 |
| Progressive | $160 | $301 |
| State Farm | $130 | $270 |
| The Hartford | $137 | $233 |
| Travelers | $141 | $262 |
| UAIC | $207 | $260 |
Dodge Charger Insurance Cost by State
Depending on your state, car insurance for a Dodge Charger ranges from $51 monthly in Wyoming to $280 monthly in Louisiana for minimum coverage.
| Alabama | $127 | $238 |
| Alaska | $96 | $205 |
| Arizona | $186 | $344 |
| Arkansas | $118 | $263 |
| California | $133 | $271 |
| Colorado | $132 | $317 |
| Connecticut | $193 | $330 |
| Delaware | $194 | $323 |
| Florida | $184 | $430 |
| Georgia | $201 | $332 |
| Hawaii | $71 | $161 |
| Idaho | $79 | $160 |
| Illinois | $131 | $243 |
| Indiana | $89 | $175 |
| Iowa | $80 | $192 |
| Kansas | $101 | $236 |
| Kentucky | $169 | $288 |
| Louisiana | $280 | $607 |
| Maine | $72 | $149 |
| Maryland | $219 | $370 |
| Massachusetts | $139 | $294 |
| Michigan | $212 | $410 |
| Minnesota | $112 | $234 |
| Mississippi | $129 | $252 |
| Missouri | $161 | $320 |
| Montana | $104 | $243 |
| Nebraska | $99 | $225 |
| Nevada | $246 | $445 |
| New Hampshire | $98 | $172 |
| New Jersey | $222 | $365 |
| New Mexico | $114 | $255 |
| New York | $168 | $300 |
| North Carolina | $116 | $227 |
| North Dakota | $82 | $179 |
| Ohio | $110 | $214 |
| Oklahoma | $131 | $293 |
| Oregon | $167 | $290 |
| Pennsylvania | $121 | $286 |
| Rhode Island | $168 | $299 |
| South Carolina | $143 | $267 |
| South Dakota | $79 | $239 |
| Tennessee | $113 | $225 |
| Texas | $173 | $352 |
| Utah | $145 | $245 |
| Vermont | $64 | $153 |
| Virginia | $127 | $206 |
| Washington | $128 | $238 |
| West Virginia | $118 | $239 |
| Wisconsin | $95 | $209 |
| Wyoming | $51 | $165 |
Dodge Charger Insurance Cost by Driver Profile
Your driving profile, especially age and driving record, extensively affects Dodge Charger insurance pricing. Monthly rates can reach $527 if you're a young driver under 25 with no violations and drop to just $206 monthly for adults between 26-64 without driving violations.
| Adult Drivers | $141 | $272 |
| Young Drivers | $361 | $692 |
| Senior Drivers | $188 | $345 |
| Drivers With a Speeding Ticket | $176 | $343 |
| Drivers With an Accident | $207 | $399 |
| Drivers With a DUI | $255 | $489 |
| Drivers With Bad Credit | $336 | $673 |
Is a Dodge Charger Expensive to Insure?
You might be concerned about Dodge Charger insurance costs given the vehicle's muscle car status. Compared to the rest of the models on the U.S. market, a Dodge Charger ranks 696th out of 827, making it one of the more expensive cars to insure. Among sports cars, the model ranks 40th out of 59.
| Mazda MX-5 Miata | $71 | $137 |
| Saturn Sky | $74 | $143 |
| Honda S2000 | $74 | $144 |
| Pontiac Firebird | $76 | $146 |
| Toyota Celica | $76 | $146 |
| Mazda RX-8 | $78 | $150 |
| Ford Thunderbird | $79 | $154 |
| Nissan 350Z | $82 | $158 |
| Pontiac Solstice | $82 | $159 |
| Chrysler Crossfire | $83 | $161 |
| Bmw Z3 | $85 | $165 |
| Porsche Boxster | $85 | $165 |
| Alfa Romeo 4C | $88 | $172 |
| Ford Mustang | $88 | $171 |
| Chevrolet SS | $91 | $177 |
| Scion FR-S | $94 | $181 |
| Cadillac XLR | $96 | $186 |
| Porsche Cayman | $96 | $186 |
| Chevrolet Camaro | $97 | $189 |
| Bmw Z4 | $98 | $190 |
| Fisker Karma | $98 | $190 |
| Nissan 370Z | $99 | $191 |
| Mercedes SLC | $102 | $199 |
| Toyota 86 | $103 | $199 |
| Toyota Supra | $104 | $203 |
| Chevrolet Corvette | $104 | $202 |
| Tesla Roadster | $107 | $208 |
| Mercedes SLK-Class | $111 | $214 |
| Subaru BRZ | $112 | $215 |
| Jaguar F-Type | $111 | $218 |
| Toyota GR86 | $112 | $217 |
| Bmw Z4 M | $113 | $222 |
| Bmw M6 | $117 | $230 |
| Mercedes SL | $119 | $233 |
| Karma Revero | $120 | $235 |
| Lexus LC | $120 | $235 |
| Bmw M2 | $124 | $242 |
| Dodge Viper | $130 | $253 |
| Nissan GT-R | $132 | $258 |
| Acura NSX | $132 | $259 |
| Mercedes CLE | $133 | $261 |
| Nissan Z | $136 | $267 |
| Bentley Continental | $136 | $268 |
| Porsche 718 | $138 | $271 |
| Dodge Charger | $141 | $272 |
| Audi R8 | $143 | $280 |
| Porsche Panamera | $146 | $287 |
| Bmw M4 | $150 | $294 |
| Porsche 911 | $151 | $297 |
| Bmw 8-series | $155 | $306 |
| Mercedes SLS-Class | $158 | $314 |
| Maserati Gran Turismo | $161 | $318 |
| Bmw i8 | $169 | $335 |
| Fiat 124 Spider | $182 | $353 |
| Dodge Challenger | $191 | $371 |
| Porsche Taycan | $231 | $454 |
| Karma Gysera | $284 | $556 |
| Karma Invictus | $300 | $588 |
| Karma Kaveya | $486 | $954 |
Factors That Affect Dodge Car Insurance Costs
Several factors affect what you'll pay for Dodge Charger insurance:
- Age (median 46 years): Middle-aged drivers pay less than younger buyers, but Charger's muscle car image still elevates rates compared to family sedans.
- Gender (65% male, 35% female): Male-dominated ownership correlates with higher-risk driving patterns and performance modification tendencies.
- Income ($75,000 average): Mid-level income supports the vehicle purchase but doesn't offset the performance-related risk factors that drive up premiums.
Average Repair or Replacement Costs
Dodge ranks 16th in repair affordability among 59 U.S. automakers with median annual costs of $856. Dodge Charger repair costs average $1,082 annually, making it Dodge's 3rd most expensive model despite it being a more affordable make.
Vehicle Trim, Features and Accessories
The Dodge Charger's powerful performance capabilities (300 to 807 horsepower, 0-60 mph in 3.6 to 7.1 seconds depending on trim) increase insurance premiums. Higher trims like Hellcat and Scat Pack cost substantially more to insure due to extreme horsepower and specialized components.
Fuel Type
Dodge Charger costs more to insure because it houses high-performance V8 engines that attract aggressive drivers. You need specialized mechanics and expensive performance parts when something breaks on a Hellcat or Scat Pack.
Most Charger models require premium fuel, driving up operating costs. The supercharged Hellcat engines demand specialized knowledge and tools that only certified technicians can handle. Performance parts like Brembo brakes, adaptive dampers and forced-induction components cost more to replace than standard sedan parts.
Location
Dodge Charger ownership concentrates heavily in the South and Midwest, where muscle car culture remains strong. The Charger performs well in markets like Michigan, Texas and throughout the Southeast where American performance cars maintain dedicated followings.
Dodge has extensive dealer networks in traditional muscle car markets, but the Charger's reputation as a high-performance vehicle means higher theft rates in urban areas. Certain Charger trims, especially Hellcat models, rank among the most stolen vehicles in America, driving up insurance costs in metropolitan areas.
Driver Profile
Most Dodge Charger drivers are middle-aged males (median age 46) with household incomes around $75,000. This demographic receives moderate insurance rates, but the Charger's performance reputation attracts risk-taking behaviors that concern insurers.
Driver demographics affect Charger insurance rates:
How to Lower the Cost of Dodge Charger Insurance
Below we explore the most effective ways to secure affordable Dodge Charger insurance:
- 1Choose the right coverage
You'll need to determine how much coverage to buy for your Charger. If you own your Dodge, you can purchase your state's minimum liability requirements and add comprehensive and collision with a $1,000 deductible to reduce costs. If you want better protection, consider 100/300/100 liability coverage with comprehensive and collision at a $500 deductible. If you're financing or leasing, your lender requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, and gap insurance.
- 2Research costs and cheap companies
Understand what you should pay by checking average auto insurance costs for performance sedans. This baseline helps when shopping for the cheapest car insurance companies with reasonable rates.
- 3Look for more than just low rates
Choosing dependable car insurance requires evaluating insurers beyond their quotes. Review J.D. Power satisfaction ratings, read forum feedback on claims processing, examine Better Business Bureau complaints and verify AM Best financial stability. Budget insurers may have limited coverage or slow service.
- 4Explore discounts you qualify for
Uncover car insurance discounts available for your situation. Dodge Charger owners commonly receive safety features discounts, multi-vehicle discounts, bundling discounts, anti-theft discounts and good driver discounts.
- 5Consider alternative car insurance types
Dodge Charger owners should consider usage-based insurance or GEICO DriveEasy programs that monitor safe driving and provide premium reductions.
- 6Check rates every year
Request car insurance quotes from at least three companies annually. Your insurer won't tell you when competitors drop their prices, so regular comparisons can save up to 24% on your Dodge Charger insurance.
Dodge Charger Insurance Cost: Bottom Line
Insuring a Dodge Charger costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Dodge Charger Insurance Rates: FAQ
What is the average cost of car insurance for a Dodge Charger?
The Dodge Charger's average annual insurance cost is $1,686 yearly for state minimum coverage and $3,266 for full coverage.
What company has the cheapest car insurance for a Dodge Charger?
GEICO offers the cheapest minimum coverage auto insurance for a Dodge Charger, with an annual minimum coverage rate of $996. For those looking for full coverage policies, GEICO is also the most cost-effective option at $2,148 per year.
Are Dodge Chargers expensive to insure?
Yes, Dodge Charger insurance costs more than most cars. Out of 827 vehicles we track, the Charger ranks 696th for affordability. Among sports cars, this model sits at 40th out of 59.
What factors affect insurance costs for Dodge Chargers?
Several things drive up your Dodge Charger rates. Repairs cost more because of specialized parts. Your driving record and credit score, plus the coverage you pick, play a big role. Dodge Chargers are also among the highest theft rates for vehicles in America, which can also raise rates.
How can I lower Dodge Charger insurance costs?
Shop around with multiple insurers as rates vary for Dodge Chargers, and consider usage-based insurance programs that track your driving habits. Take advantage of discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Dodge Charger Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate Dodge Charger insurance costs.
Who We Based These Rates On
These Dodge Charger prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions:
- Minimum Coverage: State-required liability limits
- Full Coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.