Which company has the cheapest Dodge Charger insurance?

USAA, which exclusively serves military members and veterans, offers the cheapest average rates for Dodge Charger drivers. But if you’re not eligible for USAA membership, you can still find very reasonable average rates from insurers like State Farm and GEICO.

Are Dodge Chargers expensive to insure?

Compared to similar cars in the same class, Dodge Chargers can be slightly more expensive to insure. But that doesn’t mean Charger drivers are stuck paying higher premiums. You can find the best rates for your Dodge Charger by getting multiple car insurance quotes from a number of different auto insurers. That will help you find the best value for your insurance needs and budget.

How much does it cost to insure a Dodge Charger?

The average cost of a liability-only insurance policy for a Dodge Charger is $137 per month, and the average full-coverage policy for a Dodge Charger costs $280 per month. It typically costs less to purchase a liability-only insurance policy because it provides less coverage. Just remember that even though a full-coverage policy is more expensive, it can provide you with much more legal and financial protection in case of an accident.

Is insurance higher for a Dodge Challenger or Charger?

The specific premiums your insurance company charges you depend on a number of factors, including your driving history, location, age, and other demographic factors, as well as the make, model, and year of the vehicle you drive. Insuring a Dodge Challenger typically costs more than insuring a Dodge Charger, although that may depend on the other factors the insurance company considers when setting your rates.

Cost of Dodge Charger Car Insurance (2024)

Charger insurance cost
Rates by model year
Coverage types
FAQs

Charger insurance cost
Rates by model year
Coverage types
FAQs

The Dodge Charger has been a mainstay on American highways since it was first introduced in 1966.^[1] This fun-to-drive muscle car still dominates its segment nearly 60 years after its initial debut, with 75,920 new model sales in 2023, exceeding Ford Mustang sales.^[2]

The average cost to insure a Dodge Charger is $137 per month for liability-only insurance and $280 per month for full coverage, which is slightly higher than rates for similar cars, like the BMW 3-series.

If you own a Dodge Charger or are thinking about getting one, here’s what you need to know about finding the right auto insurance to fit your needs.

Quick Facts

The 2023 Dodge Charger is more expensive to insure than older models.
The sixth-generation Dodge Charger was the first four-door muscle car.^[3]
Dodge Challengers typically have higher insurance rates than Dodge Chargers.

Cost of Dodge Charger insurance

Dodge Chargers have an average monthly insurance premium of $137 for a liability-only policy and $280 for full coverage, according to Insurify data. This is higher than the national average cost of $105 per month for liability-only coverage and $202 per month for full coverage.

USAA offers the cheapest rates for Dodge Charger insurance, but it’s only available to eligible military members, veterans, and their families. State Farm and GEICO also offer low average car insurance rates for Dodge Charger drivers.

Insurers use a number of factors to set your insurance costs, including the kind of car you drive. Factors like your age and gender, marital status, ZIP code, driving record (including traffic violations), and credit history can also make a difference in your auto insurance premiums.

You can help lower your rates by maintaining a clean driving record and driving a car with certain standard safety features, like anti-lock brakes, adaptive cruise control, and electronic stability control.

Your Charger’s model year can also affect your rates, and you can check out Dodge Charger insurance rates by model year in the following sections.

Find Cheap Insurance for Your Dodge Charger

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2023 Dodge Charger insurance

The 2023 Dodge Charger MSRP ranges from $35,325 to $82,670, depending on the trim levels selected.^[4] Here, you can see average monthly quotes for the 2023 model from top insurers.

Insurance Company ▲▼	Average Monthly Quote ▲▼
USAA	$224
State Farm	$258
GEICO	$267
Allstate	$312
Progressive	$328
American Family	$391