Dodge Charger Insurance – SXT, GT, Scat Pack, SRT by Model Year

• Average Dodge Charger insurance cost is $2,522 per year, or $210 per month for full coverage.
• The Dodge Charger SXT is the cheapest to insure at around $2,228 per year. The most expensive trim is the SRT Hellcat Redeye Widebody Jailbreak at $2,794 per year.
• When compared to all other vehicles from the 2023 model year, the 2023 Dodge Charger costs 25.7% more to insure than the 2023 model year rate of $1,948 per year.
• In a comparison of large U.S. insurance companies, USAA, Progressive, and GEICO had some of the best Charger insurance rates.

How much does Dodge Charger insurance cost?

Dodge Charger insurance costs an average of $2,522 per year for a full coverage policy, which is about $210 each month. Monthly payments range from $186 to $233 depending on the trim level being insured.

Comprehensive insurance will cost around $544 a year, liability/medical (or PIP) coverage averages $848, and the remaining collision coverage will cost around $1,130.

The table below shows how the 2023 Charger compares to all other 2023 models for the average cost of each coverage included on a full-coverage car insurance policy.

Based on the data from the table, insurance on a 2023 Dodge Charger averages 25.7% more than the average rate for 2023 model year vehicles of $1,948 per year.

Rates are higher for all policy coverages, especially for liability and medical coverages. Keep in mind that these rates are averaged for all 2023 Charger trim levels, so the SRT models will skew rates higher.

However, even if we just look at the SXT model, rates are still quite a bit higher than the all-vehicle average rate. Insurance cost for the Charger SXT averages $2,228 per year, which is still $280 per year higher than the all-vehicle average rate.

Vehicle trim level has a significant impact on car insurance rates, which we will discuss in detail in the next section. But there are other factors that can also dramatically affect the cost when insuring a Charger.

Driver age is one of the biggest things that can drive up insurance prices. Younger drivers, especially on a higher-performance vehicle like the Charger, pay much higher insurance rates than more mature drivers.

The deductibles you choose for physical damage coverage (comprehensive and collision) are another factor that affects prices. High deductibles mean you are willing to pay more out-of-pocket if you have a covered claim, so the premiums for physical damage coverage are lower.

Conversely, if you want to pay less if you have a claim (a low deductible) then you’ll pay higher policy premiums for that luxury.

The following chart breaks down average car insurance rates on a 2023 Dodge Charger with a variety of policy scenarios.

Younger drivers pay higher rates when compared to more mature drivers, low-deductible policies are more expensive, and safe drivers pay less than drivers requiring high-risk insurance.

These are important points to ponder if you’re trying to lower the cost of insurance on your Charger. Obviously, you cannot change your age if you’re paying higher rates as a younger driver, but policy deductibles and how you drive are choices that directly affect the cost of insurance.

What is the cheapest Dodge Charger insurance?

With Dodge Charger car insurance rates ranging from $2,228 to $2,794 annually for an average driver, the cheapest trim level to insure is the Charger SXT. The second cheapest model to insure is the Charger SXT AWD at $2,270 per year.

On average, plan on a starting budget of $186 per month for full coverage insurance on a 2023 Dodge Charger. This amount depends on factors like where you live, your age, your driving record, and other details, however. So the rate you actually pay can be more or less than the average rate.

Dodge Charger Scat Pack insurance cost falls between the Charger SXT rates and the SRT Hellcat rates, and is more expensive than the GT and R/T models, averaging about $2,500 a year, depending on if it’s the Widebody version or not.

On the high end of the cost spectrum, the two highest cost Charger trim levels to insure are the Dodge Charger SRT Hellcat Redeye Widebody, and the SRT Hellcat Redeye Widebody Jailbreak trim levels at $2,788 and $2,794 per year, respectively.

The next table displays average annual and 6-month policy costs, including a monthly budget amount, for each 2023 Dodge Charger trim level.

As with most vehicles, the more it costs, the more it will cost to insure it. The Charger is no exception to this rule, as the $34,240 SXT is the cheapest to insure while the $90,635 SRT Hellcat Redeye Widebody Jailbreak is the most expensive to insure.

Dodge Charger insurance rates compared to other models

Up to this point, insurance on a 2023 Charger seems pretty expensive. But how does it compare to other models?

The Charger is unique in the fact that there are not many four-door performance vehicles, so we picked models that maybe have four doors and maybe have higher-than-average performance, but probably not both.

The chart below shows where the Charger ranks in comparison to those vehicles. The average insurance rate for a 2023 Dodge Charger is shown in orange.

This chart pretty much confirms that insurance on the Charger is going to be higher than most other models, with the exception of luxury performance vehicles.

The highest-priced model to insure in the chart is the Dodge Challenger, and we have a comprehensive comparison of Charger vs. Challenger insurance rates.

How to find the best Charger insurance

Finding affordable Charger insurance may be a bit of a challenge due to its higher-than-average car insurance rates.

However, one of the best ways to keep rates as low as possible is to shop around and compare quotes from different insurance companies.

We recommend making a habit of comparing rates once a year and also comparing price quotes from a minimum of five different companies. The more quotes you get, the better chance you have of saving money when insuring your Charger.

In a comparison of some of the larger auto insurance companies in the U.S., we found the best Charger insurance rates were with USAA at $1,919 per year. Progressive was next cheapest at $2,091 per year.

Unfortunately, if you’re not active military, a veteran, or a family member of one of those, then USAA is not an option for you.

Progressive and GEICO are both solid choices, and your rates may be cheaper than those shown just depending on the type of Charger you drive and your location.

To get rates where you live, simply enter your Zip Code in the form under the chart and click the ‘GO’ button.

Dodge Charger prior model year insurance rates

The following sections detail Dodge Charger insurance rates for every trim level since the 2013 model year. Rates for the 2023 model are detailed earlier in this article.

2022 Dodge Charger average insurance rates

Average rates for a 2022 Dodge Charger are $2,356 per year, or $196 per month. Rates range from $2,094 per year for the Charger SXT to $2,642 for the Charger SRT Jailbreak.

2021 Dodge Charger average insurance rates

Average car insurance rates for a 2021 Dodge Charger are $2,232 per year, or around $186 per month. Rates range from $2,058 per year for the Charger SXT Sedan to $2,660 for the Charger SRT Hellcat Sedan.

2020 Dodge Charger average insurance rates

Average car insurance rates for a 2020 Dodge Charger are $2,204 per year, or around $184 per month. Rates range from $2,034 per year for the Charger SXT Sedan to $2,620 for the Charger SRT Hellcat Sedan.

2019 Dodge Charger average insurance rates

Insurance rates for a 2019 Dodge Charger average $2,004 per year, or about $167 per month. Rates range from $1,850 per year for the Charger SXT Sedan to $2,400 for the Charger SRT Hellcat Sedan.

2018 Dodge Charger average insurance rates

2018 Dodge Charger car insurance rates average $1,960 per year, or around $163 per month. Cost ranges from $1,804 per year for the Charger SXT Sedan to $2,334 for the Charger SRT Hellcat Sedan.

2017 Dodge Charger average insurance rates

A 2017 Dodge Charger averages $1,880 per year for full coverage car insurance, or around $157 per month. Rates range from $1,706 per year for the Charger SE Sedan to $2,232 for the Charger SRT Hellcat Sedan.

2016 Dodge Charger average insurance rates

Average insurance cost for a 2016 Dodge Charger is $1,814 per year, or around $151 per month. Rates range from $1,660 per year for the Charger SE Sedan to $2,156 for the Charger SRT Hellcat Sedan.

2015 Dodge Charger average insurance rates

Insurance rates average $1,736 per year for a 2015 Dodge Charger, or around $145 per month. Rates range from $1,606 per year for the Charger SE Sedan to $2,036 for the Charger SRT Hellcat Sedan.

2014 Dodge Charger average insurance rates

Average insurance cost for a 2014 Dodge Charger is $1,752 per year, or around $146 per month. Rates range from $1,678 per year for the Charger SE Sedan to $1,904 for the Charger SRT8 Sedan.

2013 Dodge Charger average insurance rates

Insurance rates for a 2013 Dodge Charger average $1,626 per year, or about $136 per month. Rates range from $1,540 per year for the Charger SE Sedan to $1,732 for the Charger Superbee Sedan.