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Age is a significant factor in determining how much car insurance for a Dodge Charger costs. For instance, an annual full coverage policy on a 2009 model costs $6,461 for a 16-year-old driver, compared to $1,391 for a 40-year-old. For a 16-year-old, a 2022 model will cost $8,509 a year, while the same policy costs $1,873 for a 40-year-old.

MoneyGeek ranked the top insurers based on how well they balance service and claims experience with affordable rates.

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2023

Table of Contents

Average Cost and Cheapest Companies for Insuring a Dodge Charger

Remember that while the national average for insuring a Dodge Charger is $1,677, your rate will depend on your chosen insurance company. GEICO offers full coverage auto insurance for a Dodge Charger at the lowest average annual cost of $1,211, while Farmers charges the most expensive premium at $2,018 for the same policy.

The average yearly cost of minimum coverage plans for a Dodge Charger also varies between insurers, with a policy costing $531 from State Farm and $885 from Farmers. We suggest comparing prices from various car insurance providers to obtain the best coverage for your Dodge Charger.

Company
Average Annual Premium

State Farm

$531

GEICO

$549

Allstate

$683

Travelers

$710

Nationwide

$782

Progressive

$807

Farmers

$885

GEICO

$1,211

State Farm

$1,353

State Farm

$1,403

Allstate

$1,504

Nationwide

$1,661

Travelers

$1,753

GEICO

$1,764

Travelers

$1,785

Progressive

$1,893

Farmers

$2,018

Allstate

$2,061

Nationwide

$2,972

Farmers

$3,397

State Farm

$3,468

Progressive

$3,692

GEICO

$3,780

Allstate

$4,549

Travelers

$4,702

Nationwide

$5,795

Farmers

$7,015

Progressive

$8,833

Is a Dodge Charger Expensive to Insure?

Different data points are considered by auto insurance companies when determining premiums for specific models, including the value of the car, its horsepower and the likelihood of theft. The National Highway Traffic Safety Administration's (NHTSA) latest information indicates that thieves steal Dodge Chargers more frequently than other models, making it a riskier car to insure. This data increases premiums, making the Dodge Charger moderately expensive to insure compared to other models.

Best Companies for Insuring a Dodge Charger

When buying insurance for your Dodge Charger, price isn't the only factor to consider. The best car insurance companies should offer top-notch customer support and efficient claim processing. Here are the top two insurance providers for Dodge Charger owners:

  • GEICO: MoneyGeek score 90 out of 100 ($1,211 per year)
  • State Farm: MoneyGeek score 88 out of 100 ($1,353 per year)

While State Farm offers excellent customer service, GEICO provides better claims management and is the most affordable provider for a Dodge Charger.

MoneyGeek Top Pick: GEICO

GEICO

pros

Provides the most affordable policy for a Dodge Charger

Excellent customer satisfaction rating

Offers Mechanical Breakdown Insurance and Accident Forgiveness

cons

Ranks below average in claims management

No Deductible Modification or Gap Insurance

COMPANY HIGHLIGHTS

GEICO is our top pick for insuring the Dodge Charger. It offers excellent customer service and is the least expensive provider among all the quotes MoneyGeek analyzed. It also provides coverages that few insurers offer, like Mechanical Breakdown Insurance (MBI), a superior version of a typical dealer extended warranty. MBI covers all your car's systems and components with comprehensive protection of your Dodge Charger.

The company offers other essential coverages. Roadside Assistance covers all towing, jump starts, flat tire repair and lockout services. Rental Car Reimbursement coverage pays for a rental car up to a specific limit after a covered accident immobilizes your vehicle for over 24 hours. Accident Forgiveness keeps your rates from increasing after your first accident for which you are at fault. However, GEICO does not offer this coverage in California, Connecticut or Massachusetts.

Read MoneyGeek's GEICO Auto Insurance Review

MoneyGeek Runner-Up: State Farm

State Farm

pros

Second-most affordable auto insurer for a Dodge Charger

Highly rated customer service

cons

Relatively low coverage score and claims management rating

No Accident Forgiveness or Gap Insurance

COMPANY HIGHLIGHTS

Dodge Charger owners can consider State Farm for their auto insurance option. It’s relatively cheap and offers outstanding customer service. State Farm's shortcoming is that it offers a narrow selection of coverage options and lacks some crucial add-ons. However, the coverage options it does provide will apply to most drivers.

Rental Car and Travel Reimbursement will cover the costs of an accident involving your rental car up to the agreed-upon limits. It also pays up to $500 for your travel costs, including airfare, accommodations, food and other expenses, and a $500 credit toward your deductible. Another valuable coverage is Roadside Assistance, which pays for up to an hour's worth of mechanical work and locksmith service in case of a breakdown or lockout. You will also get a towing service to the nearest place for repairs.

Read MoneyGeek's State Farm Auto Insurance Review

Cost of Insuring a Dodge Charger by Model Year

An annual full coverage policy on a 2022 Dodge Charger costs $1,873, compared to $1,391 for a 2009 model with the same policy. This comparison is one example of how a car’s model year will significantly impact the average cost of car insurance. Because a car’s value depreciates over time, newer models tend to be more expensive to insure.

Model Year
Average Annual Premium

2022

$704

2022

$1,873

2021

$704

2021

$1,837

2020

$673

2020

$1,759

2019

$703

2019

$1,742

2018

$703

2018

$1,694

2017

$675

2017

$1,638

2016

$707

2016

$1,643

2015

$710

2015

$1,617

2014

$678

2014

$1,543

2013

$707

2013

$1,527

2012

$706

2012

$1,482

2011

$676

2011

$1,422

2010

$709

2010

$1,421

2009

$710

2009

$1,391

Your chosen insurance provider and the car’s model year will affect your average auto insurance premiums. State Farm is the cheapest car insurance company for a 2009 Dodge Charger, costing $1,099 annually for a full coverage policy. Meanwhile, GEICO is the most affordable option for newer model years, with the 2022 Dodge Charger costing $1,335 per year to insure.

Company
Average Annual Premium

State Farm

$447

State Farm

$447

State Farm

$451

State Farm

$455

GEICO

$465

State Farm

$465

State Farm

$470

State Farm

$475

State Farm

$476

State Farm

$477

State Farm

$479

GEICO

$480

GEICO

$480

GEICO

$480

State Farm

$484

GEICO

$485

State Farm

$487

GEICO

$489

State Farm

$496

GEICO

$497

GEICO

$497

State Farm

$501

GEICO

$505

GEICO

$514

GEICO

$514

GEICO

$514

GEICO

$515

GEICO

$516

Travelers

$562

Nationwide

$576

Travelers

$577

Travelers

$593

Travelers

$594

Allstate

$601

Allstate

$611

Allstate

$611

Allstate

$614

Nationwide

$615

Allstate

$617

Allstate

$619

Allstate

$627

Nationwide

$631

Allstate

$632

Travelers

$633

Allstate

$635

Allstate

$635

Allstate

$637

Allstate

$638

Travelers

$639

Allstate

$640

Travelers

$642

Allstate

$645

Nationwide

$655

Travelers

$655

Travelers

$660

Travelers

$662

Travelers

$664

Progressive

$664

Progressive

$669

Travelers

$672

Travelers

$674

Nationwide

$675

Progressive

$680

Nationwide

$681

Progressive

$682

Travelers

$685

Nationwide

$686

Nationwide

$688

Nationwide

$690

Nationwide

$691

Nationwide

$693

Nationwide

$694

Progressive

$698

Progressive

$700

Progressive

$701

Progressive

$711

Progressive

$717

Progressive

$721

Nationwide

$722

Progressive

$723

Progressive

$728

Progressive

$730

Farmers

$731

Progressive

$736

Farmers

$741

Nationwide

$744

Farmers

$749

Farmers

$756

Farmers

$765

Farmers

$772

Farmers

$774

Farmers

$783

Farmers

$784

Farmers

$784

Farmers

$785

Farmers

$788

Farmers

$801

Farmers

$803

State Farm

$1,099

State Farm

$1,131

GEICO

$1,136

GEICO

$1,145

State Farm

$1,151

GEICO

$1,161

GEICO

$1,163

GEICO

$1,168

GEICO

$1,171

State Farm

$1,197

GEICO

$1,205

GEICO

$1,210

GEICO

$1,214

GEICO

$1,237

State Farm

$1,252

GEICO

$1,257

GEICO

$1,261

State Farm

$1,295

Allstate

$1,298

GEICO

$1,298

Allstate

$1,302

Allstate

$1,317

Allstate

$1,330

GEICO

$1,335

State Farm

$1,363

Allstate

$1,372

Allstate

$1,384

State Farm

$1,394

State Farm

$1,412

Travelers

$1,429

Allstate

$1,437

Travelers

$1,450

Nationwide

$1,457

State Farm

$1,458

Nationwide

$1,466

Travelers

$1,475

Allstate

$1,493

State Farm

$1,494

Nationwide

$1,517

Allstate

$1,519

State Farm

$1,519

Nationwide

$1,550

Progressive

$1,563

Nationwide

$1,569

State Farm

$1,570

Travelers

$1,583

Allstate

$1,586

State Farm

$1,608

Nationwide

$1,618

Progressive

$1,622

Nationwide

$1,636

Nationwide

$1,640

Progressive

$1,642

Allstate

$1,651

Travelers

$1,655

Nationwide

$1,656

Travelers

$1,657

Allstate

$1,684

Nationwide

$1,695

Nationwide

$1,731

Progressive

$1,754

Allstate

$1,760

Farmers

$1,772

Farmers

$1,800

Farmers

$1,807

Progressive

$1,808

Travelers

$1,817

Nationwide

$1,818

Progressive

$1,821

Travelers

$1,838

Travelers

$1,862

Farmers

$1,864

Travelers

$1,888

Nationwide

$1,907

Farmers

$1,915

Allstate

$1,922

Farmers

$1,923

Progressive

$1,929

Progressive

$1,946

Progressive

$1,957

Travelers

$1,964

Travelers

$1,970

Travelers

$1,971

Travelers

$1,991

Nationwide

$1,996

Farmers

$2,003

Progressive

$2,026

Farmers

$2,048

Farmers

$2,050

Progressive

$2,058

Progressive

$2,061

Farmers

$2,124

Progressive

$2,143

Progressive

$2,176

Farmers

$2,178

Farmers

$2,184

Farmers

$2,268

Farmers

$2,323

Cost of Insuring a Dodge Charger for 16- to 25-Year-Olds

Auto insurance for teens and drivers in their 20s is far more expensive than those in their 30s and 40s. For a full coverage policy for a Dodge Charger, 16-year-old drivers spend an average of $7,417 a year, while 40-year-old policyholders only pay $1,614 for the same plan. Rates for teen car insurance drop significantly each year as teenagers age, but they tend to level off once they reach their 20s and gain more driving experience.

Driver Age
Average Annual Premium

16

$7,417

16

$3,399

17

$2,754

17

$6,052

18

$2,402

18

$5,335

19

$1,644

19

$3,696

20

$3,347

20

$1,472

21

$1,108

21

$2,569

22

$2,376

22

$1,020

23

$942

23

$2,210

24

$891

24

$2,098

25

$1,884

25

$803

The most affordable way to obtain auto insurance for teens is to include them in a family plan, as individual plans are far more expensive. State Farm offers teens driving a 2009 Dodge Charger the cheapest full coverage policy at $3,508 per year on average, while Farmers will charge as high as $9,219 for the same model.

These astronomical premiums apply to 16-year-old drivers who choose to purchase individual coverage. To get the best auto insurance for teens, we advise them to join their family's insurance policy and shop around with them.

Company
Average Annual Premium

GEICO

$610

State Farm

$637

GEICO

$644

GEICO

$676

State Farm

$701

Allstate

$723

GEICO

$748

State Farm

$764

Travelers

$776

Allstate

$789

GEICO

$802

Allstate

$831

Travelers

$833

State Farm

$855

Allstate

$884

Travelers

$891

Progressive

$894

State Farm

$931

Allstate

$948

Travelers

$949

Travelers

$1,027

Nationwide

$1,027

Progressive

$1,043

Farmers

$1,065

GEICO

$1,070

State Farm

$1,076

Progressive

$1,143

Nationwide

$1,146

Allstate

$1,179

GEICO

$1,200

Farmers

$1,201

State Farm

$1,210

Travelers

$1,217

Nationwide

$1,231

Farmers

$1,231

Farmers

$1,289

Progressive

$1,293

Allstate

$1,356

Nationwide

$1,357

Travelers

$1,380

Farmers

$1,409

Progressive

$1,423

State Farm

$1,435

Nationwide

$1,497

GEICO

$1,545

State Farm

$1,616

GEICO

$1,650

GEICO

$1,668

GEICO

$1,741

Travelers

$1,757

Progressive

$1,802

State Farm

$1,836

State Farm

$1,940

GEICO

$1,950

Allstate

$2,008

GEICO

$2,012

Farmers

$2,013

Progressive

$2,050

GEICO

$2,106

Travelers

$2,140

Nationwide

$2,145

Farmers

$2,155

State Farm

$2,165

Allstate

$2,176

Nationwide

$2,304

Travelers

$2,313

State Farm

$2,328

Allstate

$2,455

Nationwide

$2,473

Progressive

$2,524

Allstate

$2,559

State Farm

$2,563

Travelers

$2,570

Allstate

$2,583

GEICO

$2,597

Nationwide

$2,617

GEICO

$2,707

Farmers

$2,718

Travelers

$2,748

Allstate

$2,778

State Farm

$2,779

Nationwide

$2,786

Travelers

$2,843

Progressive

$2,922

Travelers

$2,930

Allstate

$3,011

Nationwide

$3,019

Farmers

$3,022

GEICO

$3,026

Farmers

$3,079

Travelers

$3,169

Allstate

$3,172

State Farm

$3,177

Progressive

$3,189

Farmers

$3,195

Nationwide

$3,235

Nationwide

$3,262

Farmers

$3,365

Farmers

$3,413

Nationwide

$3,453

State Farm

$3,540

Progressive

$3,572

Farmers

$3,609

Progressive

$3,668

Allstate

$3,722

Nationwide

$3,783

Travelers

$3,847

Progressive

$3,997

GEICO

$4,076

Allstate

$4,124

State Farm

$4,140

Travelers

$4,302

Progressive

$4,385

Progressive

$4,507

State Farm

$4,619

Nationwide

$4,627

Farmers

$4,704

Farmers

$4,852

GEICO

$4,872

Farmers

$4,993

Progressive

$5,077

State Farm

$5,203

Nationwide

$5,298

Travelers

$5,425

Progressive

$5,668

Allstate

$5,820

GEICO

$6,246

Travelers

$6,456

Nationwide

$6,821

Allstate

$6,967

Nationwide

$7,382

Farmers

$7,856

Nationwide

$8,083

Travelers

$8,373

Farmers

$8,377

Allstate

$8,380

Progressive

$10,247

Farmers

$11,404

Progressive

$11,861

Progressive

$12,218

How Does Location Affect the Cost of Dodge Charger Insurance?

Your location might be even more important than model type, model year or driver age when calculating how expensive car insurance will be. Idaho offers the cheapest car insurance premiums in the country, while Florida offers the most expensive. When looking for auto insurance for your Dodge Charger, it helps to compare quotes from the most affordable insurers in your state.

State
Cheapest Company
Annual Premium
Monthly Premium

Alabama

Cincinnati Insurance

$201

$17

Alabama

Nationwide

$709

$59

Alaska

State Farm

$699

$58

Alaska

State Farm

$322

$27

Arizona

Root Insurance Company

$682

$57

Arizona

Mercury

$305

$25

Arkansas

State Farm

$232

$19

Arkansas

State Farm

$629

$52

California

AAA California

$1,001

$83

California

GEICO

$419

$35

Colorado

American National P&C

$216

$18

Colorado

American National P&C

$541

$45

Connecticut

GEICO

$319

$27

Connecticut

GEICO

$693

$58

Delaware

State Farm

$881

$73

Delaware

Travelers

$464

$39

District of Columbia

GEICO

$662

$55

District of Columbia

GEICO

$372

$31

District of Columbia

Chubb

$372

$31

Florida

State Farm

$1,058

$88

Florida

GEICO

$485

$40

Georgia

Country Financial

$665

$55

Georgia

Auto-Owners Insurance Co

$311

$26

Hawaii

GEICO

$565

$47

Hawaii

GEICO

$217

$18

Idaho

American National P&C

$299

$25

Idaho

American National P&C

$127

$11

Illinois

Country Financial

$663

$55

Illinois

Mercury

$226

$19

Indiana

American Family

$555

$46

Indiana

Auto-Owners Insurance Co

$228

$19

Iowa

State Farm

$144

$12

Iowa

State Farm

$509

$42

Kansas

Nationwide

$670

$56

Kansas

Nationwide

$221

$18

Kentucky

Nationwide

$790

$66

Kentucky

Cincinnati Insurance

$257

$21

Louisiana

Louisiana Farm Bureau

$484

$40

Louisiana

Louisiana Farm Bureau

$1,048

$87

Maine

Concord Group

$521

$43

Maine

Countryway Insurance

$221

$18

Maryland

Kemper

$538

$45

Maryland

Progressive

$938

$78

Massachusetts

State Farm

$483

$40

Massachusetts

State Farm

$221

$18

Michigan

Travelers

$101

$8

Michigan

GEICO

$898

$75

Minnesota

State Farm

$797

$66

Minnesota

Westfield

$317

$26

Mississippi

Direct General Insurance

$275

$23

Mississippi

Direct General Insurance

$723

$60

Missouri

Nationwide

$909

$76

Missouri

State Farm

$388

$32

Montana

State Farm

$168

$14

Montana

Progressive

$437

$36

Nebraska

American National P&C

$405

$34

Nebraska

American National P&C

$138

$12

Nevada

CSAA

$444

$37

Nevada

CSAA

$940

$78

New Hampshire

State Farm

$540

$45

New Hampshire

State Farm

$247

$21

New Jersey

Plymouth Rock Assurance

$895

$75

New Jersey

GEICO

$428

$36

New Mexico

State Farm

$254

$21

New Mexico

State Farm

$644

$54

New York

Kemper

$781

$65

New York

Kemper

$464

$39

North Carolina

Erie

$630

$52

North Carolina

Nationwide

$242

$20

North Dakota

American Family

$616

$51

North Dakota

Nodak Mutual

$190

$16

Ohio

Nationwide

$485

$40

Ohio

Erie

$176

$15

Oklahoma

State Farm

$662

$55

Oklahoma

State Farm

$215

$18

Oregon

State Farm

$706

$59

Oregon

State Farm

$381

$32

Pennsylvania

Nationwide

$580

$48

Pennsylvania

Erie

$238

$20

Rhode Island

State Farm

$344

$29

Rhode Island

State Farm

$700

$58

South Carolina

American National P&C

$251

$21

South Carolina

American National P&C

$463

$39

South Dakota

Allstate

$746

$62

South Dakota

Farmers Mutual of Nebraska

$207

$17

Tennessee

Auto-Owners Insurance Co

$207

$17

Tennessee

State Farm

$579

$48

Texas

State Farm

$321

$27

Texas

State Farm

$699

$58

Utah

Farmers Union Insurance

$388

$32

Utah

Nationwide

$725

$60

Vermont

State Farm

$198

$17

Vermont

State Farm

$493

$41

Virginia

American Family

$243

$20

Virginia

American Family

$601

$50

Washington

PEMCO

$262

$22

Washington

PEMCO

$534

$44

West Virginia

Erie

$303

$25

West Virginia

Erie

$784

$65

Wisconsin

Erie

$230

$19

Wisconsin

GEICO

$556

$46

Wyoming

GEICO

$176

$15

Wyoming

State Farm

$745

$62

Frequently Asked Questions About Dodge Charger Insurance

People looking for car insurance for a Dodge Charger are typically concerned about cost and value. Here are some of the most common questions, along with our responses.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.