Dodge Charger Insurance Rates & Discounts


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Insurers estimate that the average cost of dodge Charger Insurance Rates of 2021 will be $212.10 per month or $2,545.17 annually. Your real expenses, on the other hand, are determined by a variety of criteria, including your driving history, car model, and location.

How Much Does Dodge Charger Car Insurance Cost?

Dodge Charger Insurance Rates & Discounts - Dodge Logo

Insurers estimate that the average cost of vehicle insurance for a 2021 Dodge Charger will be $212.10 per month or $2,545.17 annually. Your real expenses, on the other hand, are determined by a variety of criteria, including your driving history, car model, and location.

How we got these car insurance rates for Dodge Chargers

According to our calculations, a 30-year-old motorist with a clean driving record who lives in California has a good chance of winning. California is one of just seven states in which auto insurance rates are not based on a person’s gender.

We selected full coverage auto insurance with liability limits that surpass the state minimum requirements in California, which include the following:

  • Bodily injury liability per person: $50,000
  • Bodily injury liability per accident: $100,000
  • Property damage liability: $50,000
  • Comprehensive deductible: $500
  • Collision deductible: $500
  • Medical payments: $5,000
  • Uninsured motorist bodily injury: $50,000/$100,000

Learn how to compare Dodge Charger auto insurance quotes.

It is not enjoyable to shop for vehicle insurance since the premiums may be high, the industry jargon can be difficult to understand, and, let’s face it, no one likes to pay for something they are not likely to use. And to make matters worse, in virtually every state, health insurance is required.

While you won’t be able to avoid purchasing insurance, you will be able to shop around to get a lower price. Here are a few things to think about before making your decision.

  • Price. Make certain to utilize the same information when soliciting quotations from service providers. The ability to compare similar coverage will help you to discover the best deal.
  • Deductible. Choose a deductible that is within your financial means, but keep in mind that the amount you select will have an impact on your monthly rates.
  • Minimum coverage. Except for New Hampshire and Virginia, every state (with the exception of New Hampshire) has minimum coverage standards. Before acquiring an insurance, double-check that your state’s minimal requirements have been satisfied.
  • Additional coverage. Personal injury protection and medical expenses coverage are only two of the many options for enhancing your insurance protection. Find out what alternatives are available and be sure you include them in any quotations you receive from vendors.
  • Extras. Every policy has a distinct set of benefits, so it’s vital to understand what’s included and what you’ll have to pay extra for before purchasing one.
  • Restrictions. Depending on the provider, there may be policy limits. Find out whether any of these apply to you so that you can prevent coverage gaps or claims denials in the future.
  • Manufacturer offer or loyalty discount. Manufacturer discounts and customer loyalty programs might help you save money on vehicle insurance. Find out whether Dodge has any collaborations that might result in special deals being made available.
  • Warranty. Check with your manufacturer or extended warranty to see what is covered so you don’t end up paying twice for the same coverage.

What variables influence the cost of vehicle insurance for a Dodge Charger?

Your vehicle insurance premiums are heavily impacted by your likelihood of making claims as well as the expense of paying such claims out in full. Because car performance, theft rates, safety features, and other characteristics can differ significantly across brands and models, insurance companies base their prices on the vehicle you choose.

Here’s how the Dodge Charger stacks up against the competition.

  • Body type. This four-door sedan is built for performance, but it’s also loaded with safety features that make it a terrific choice for families as a second vehicle. This has the potential to lower the cost of insurance.
  • Type of car. There is a lot of power available in the Dodge Charger, which is considered a muscle vehicle. Because of the possibility of it being driven at high speeds, it may be more expensive to insure.
  • Theft. When compared to other cars, the Charger has one of the highest theft rates, which might result in a rise in the cost of insurance.
  • Repairs. Damage to the Dodge Charger is quite inexpensive, with an average cost of $625 per year for repairs. While this cost may be higher on more costly models, the cheap cost of repairs may result in a reduction in your insurance costs.
  • Safety ratings. The Dodge Charger has excellent safety ratings in nearly every area, which may help to lower the cost of insurance for the vehicle.
  • Fuel type. The Charger is powered by gasoline, which is often less expensive to insure than diesel and hybrid vehicles.
  • Trim & packages. If you choose upgrades that significantly improve the power or worth of your car, your insurance premiums may rise significantly. Features that increase safety or visibility, on the other hand, may have the exact opposite impact.

What are some Dodge Charger Safety Features that Save you money?

If your Dodge Charger is equipped with the following safety features, you may be able to save money on your auto insurance premiums.

  • Anti-lock brake discount
  • Anti-theft discount
  • Passive restraint discount (Airbags, motorized seat belts, etc.)
  • Emergency roadside assistance discount

Reliability and Safety Ratings for the Dodge Charger

US News and JD Power have given the 2018 Dodge Charger an 8.9 out of 10 for overall safety rating. This grade is supported by almost flawless scores in practically every area from the IIHS, as well as a 5-star safety rating from the National Highway Traffic Safety Administration.

On the subject of dependability, U.S. News and J.D. Power give the Charger a score of 2/5 stars out of 5 stars, which is lower than the average for comparable vehicles in its class. Previous years appear to have received slightly higher scores, although not by a significant margin.

Dodge Charger Service and Repair

Despite the fact that the Charger is a high-performance vehicle, it is the only four-door muscle car currently in production. As a result of this design, it is an excellent choice for families or anybody who appreciates the ease of a sedan combined with the power of a muscle vehicle.

If you drive your vehicle hard, the higher-end models may require more frequent maintenance, but the entry-level vehicles should be OK with periodic oil changes and other suggested service appointments.

Here’s what you should expect.

  • Dodge advises changing the oil every 8,000 miles or every 6 months, whichever comes first, on all of their vehicles.
  • In most cases, oil changes cost between $100 and $150, although the price you pay may vary based on how frequently you drive your car and where you take it for repair.
  • The Dodge Charger’s service schedule is detailed in the owner’s handbook, which you can obtain by contacting the manufacturer.

Is it worthwhile to get an extended warranty for the Dodge Charger?

The Charger is covered by a three-year/36,000-mile limited warranty as well as a five-year/60,000-mile powertrain warranty as standard equipment. Corrosion protection and roadside support are also included with new vehicles for a period of five years.

Dodge does not provide an extended warranty for the Charger, but its parent company, Mopar, does offer two-vehicle protection plans for the car. Terms are available for up to eight years and 125,000 miles, and they include parts, rental allowances, and other perks as well.

These protection plans might give peace of mind after the first warranty period has expired because the Charger is ranked below average in terms of dependability.

Should You Purchase A Dodge Charger?

The Dodge Charger, with a starting price of little under $30,000, strikes a mix between practicality and muscle. While the base Charger SXT is capable of producing around 300 horsepower, there are a variety of models and upgrades that have the ability to produce more than 700 horsepower.

Although powerful, every model is also fitted with excellent safety and driver aid systems, some of which may qualify the vehicle for auto insurance savings. With that being said, there are a variety of factors that may impact the cost of insurance, which is why it’s vital to evaluate your alternatives in order to obtain the greatest deal on the coverage you require at the lowest possible price.

Check out our review of Dodge Insurance rates.