Dodge Charger Insurance Cost
The Dodge Charger is a full-size sedan with an average insurance cost of $2,280/yr. It carries a 5/5 NHTSA safety rating and high theft risk. See how costs break down by year below.
Quote My Charger$2,280/yr
Avg. Annual Insurance
5/5 NHTSA
Safety Rating
High
Theft Risk
Full-size Sedan
Body Type
Insurance Cost by Year — Dodge Charger
About Dodge Charger Insurance
The Dodge Charger is a popular full-size sedan that averages $2,280/yr in annual insurance premiums. This places it above the national average of approximately $1,770 per year.
With a 5/5 NHTSA safety rating, the Charger is considered a very safe vehicle by insurers. Strong safety ratings can qualify you for discounts with many carriers. The high theft risk also contributes to higher comprehensive coverage premiums.
Insurance costs vary by model year — newer Chargers (2026-2025) cost about 5-10% more due to higher replacement values, while older models (2020-2021) can be 10-15% cheaper as they depreciate.
Frequently Asked Questions
How much does Dodge Charger insurance cost?
The average insurance cost for a Dodge Charger is $2,280/yr. Actual rates vary based on your model year, driving record, location, and coverage levels. Newer model years cost 5-10% more while older years can be 5-15% cheaper.
Is the Dodge Charger expensive to insure?
Compared to the national average of about $1,770/yr, the Dodge Charger at $2,280/yr is above average in insurance cost. As a full-size sedan, it falls within the typical range for its class.
What is the Dodge Charger's safety rating?
The Dodge Charger has a 5/5 NHTSA safety rating. Strong safety ratings can help lower your insurance premiums, as vehicles with better crash protection result in fewer and less severe injury claims.
Is the Dodge Charger a theft target?
The Dodge Charger has a high theft risk rating. Higher theft risk means comprehensive coverage will be more expensive. Consider anti-theft devices for potential discounts.
How can I get cheap Dodge Charger insurance?
Compare quotes from multiple carriers (Truvo compares 40+ for free), consider a higher deductible, maintain a clean driving record, bundle auto and home insurance, and ask about discounts for safety features, good student status, or low mileage.
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