- Average Dodge Charger insurance cost is $2,116 per year, or $176 per month for full coverage.
- The Charger SXT trim level is the cheapest to insure at around $1,876 per year. The most expensive trim is the SRT Jailbreak at $2,376 per year.
- The Charger ranks #4 out of four vehicles in the 2022 large car class for insurance affordability.
How much does Dodge Charger insurance cost?
Dodge Charger car insurance costs an average of $2,116 a year for a full coverage policy, which is about $176 each month. Monthly payments range from $156 to $198 depending on the trim level being insured.
Comprehensive insurance will cost around $472 a year, liability/medical (or PIP) coverage averages $666, and the remaining collision coverage will cost around $978.
The following chart breaks down average car insurance rates on a 2022 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.
The chart of auto insurance rates above shows just a handful of rates selected from a very large data set. If we displayed all rates for every possible combination of rating factors, including all 10 Charger trim levels and all 42,000 zip codes in the U.S., the end result would have 967,680,000,000 different rate possibilities. That’s one big chart.
In order to help you understand how variable rates are for a Charger, keep in mind that buying a policy with only liability coverage in the cheaper areas of Ohio or Virginia may be as cheap as $205 a year.
For the same model year of Dodge Charger, a 16-year-old male driver with a propensity for speed in certain areas in California might be as much as $17,322 a year for a policy with full coverage.
What is the cheapest Dodge Charger insurance?
With Dodge Charger car insurance rates ranging from $1,876 to $2,376 annually for an average driver, the cheapest trim level to insure is the SXT. The second cheapest model to insure is the GT at $1,930 per year.
On average, plan on budgeting at a bare minimum $156 per month for full coverage insurance. This amount depends on factors like where you live, your age, your driving record, and other details, however.
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 Jailbreak trim levels at $2,372 and $2,376 per year, respectively.
The next table displays average annual and 6-month policy costs, including a monthly budget amount, for each 2022 Dodge Charger trim level.
| Dodge Charger Trim Level | Annual Policy | 6-month Policy | Per Month |
|---|---|---|---|
| SXT | $1,876 | $938 | $156 |
| GT | $1,930 | $965 | $161 |
| SXT AWD | $1,966 | $983 | $164 |
| GT AWD | $1,990 | $995 | $166 |
| R/T | $2,044 | $1,022 | $170 |
| Scat Pack | $2,104 | $1,052 | $175 |
| Scat Pack Widebody | $2,168 | $1,084 | $181 |
| SRT Hellcat Widebody | $2,336 | $1,168 | $195 |
| SRT Hellcat Redeye Widebody | $2,372 | $1,186 | $198 |
| SRT Jailbreak | $2,376 | $1,188 | $198 |
Is Charger insurance cheaper than the competition?
The Dodge Charger ranks #4 out of four comparison vehicles in the 2022 large car class. The Charger costs an estimated $2,116 per year for insurance, while the segment average cost is $1,762 annually, a difference of $354 per year.
When average rates are compared for all vehicles in the large car segment, insurance for a Dodge Charger costs $416 more per year than the Nissan Maxima, $484 more than the Chrysler 300, and $516 more than the Toyota Avalon.
The table below shows how well Charger auto insurance rates fare against the rest of it’s full-size competitors.
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Toyota Avalon | $1,600 | -$516 |
| 2 | Chrysler 300 | $1,632 | -$484 |
| 3 | Nissan Maxima | $1,700 | -$416 |
| 4 | Dodge Charger | $2,116 | -- |
The Charger is categorized as a large sedan due to it having four doors, but it would compare more favorably in the sports car segment. The extra ponies under the hood are what drive the cost of insurance for the Charger higher than the other vehicles in the regular full-size sedan segment.
If the Charger is compared to the 2022 model year sports car segment, it would rank #11 for insurance cost, coming in between the BMW M3 and Porsche 718.
Dodge Charger prior model year insurance rates
The following sections detail Dodge Charger insurance rates for every trim level for the 2013 to 2021 model years. Rates for the 2022 model are detailed earlier in this article.
How much are 2021 Dodge Charger insurance rates?
Average car insurance rates for a 2021 Dodge Charger are $1,992 per year, or around $166 per month. Rates range from $1,834 per year for the Charger SXT Sedan to $2,378 for the Charger SRT Hellcat Sedan.
| 2021 Dodge Charger Trim Level | Annual Rate | Per Month |
|---|---|---|
| SXT Sedan | $1,834 | $153 |
| GT Sedan | $1,878 | $157 |
| GT AWD | $1,924 | $160 |
| SXT AWD | $1,924 | $160 |
| R/T Scat Pack Sedan | $2,002 | $167 |
| R/T Sedan | $2,002 | $167 |
| SRT Hellcat Sedan | $2,378 | $198 |
How much are 2020 Dodge Charger car insurance rates?
Average car insurance rates for a 2020 Dodge Charger are $1,956 per year, or around $163 per month. Rates range from $1,804 per year for the Charger SXT Sedan to $2,332 for the Charger SRT Hellcat Sedan.
| 2020 Dodge Charger Trim Level | Annual Rate | Per Month |
|---|---|---|
| SXT Sedan | $1,804 | $150 |
| GT Sedan | $1,846 | $154 |
| GT AWD | $1,892 | $158 |
| SXT AWD | $1,892 | $158 |
| R/T Scat Pack Sedan | $1,968 | $164 |
| R/T Sedan | $1,968 | $164 |
| SRT Hellcat Sedan | $2,332 | $194 |
How much does 2019 Dodge Charger insurance cost?
Insurance rates for a 2019 Dodge Charger average $1,800 per year, or about $150 per month. Rates range from $1,660 per year for the Charger SXT Sedan to $2,162 for the Charger SRT Hellcat Sedan.
| 2019 Dodge Charger Trim Level | Annual Rate | Per Month |
|---|---|---|
| SXT Sedan | $1,660 | $138 |
| GT Sedan | $1,704 | $142 |
| Police Sedan | $1,746 | $146 |
| R/T Sedan | $1,746 | $146 |
| SXT AWD | $1,746 | $146 |
| Police AWD | $1,818 | $152 |
| R/T Scat Pack Sedan | $1,818 | $152 |
| SRT Hellcat Sedan | $2,162 | $180 |
What does 2018 Dodge Charger insurance cost?
2018 Dodge Charger car insurance rates average $1,764 per year, or around $147 per month. Cost ranges from $1,620 per year for the Charger SXT Sedan to $2,102 for the Charger SRT Hellcat Sedan.
| 2018 Dodge Charger Trim Level | Annual Rate | Per Month |
|---|---|---|
| SXT Sedan | $1,620 | $135 |
| GT AWD | $1,660 | $138 |
| Police Sedan | $1,660 | $138 |
| SXT Plus Sedan | $1,660 | $138 |
| R/T Daytona Sedan | $1,704 | $142 |
| R/T Sedan | $1,704 | $142 |
| Police AWD | $1,774 | $148 |
| R/T 392 Daytona Sedan | $1,774 | $148 |
| R/T 392 Scat Pack Sedan | $1,774 | $148 |
| R/T 392 Sedan | $1,774 | $148 |
| SRT 392 Sedan | $1,950 | $163 |
| SRT Hellcat Sedan | $2,102 | $175 |
How much are average 2017 Charger insurance rates?
A 2017 Dodge Charger averages $1,712 per year for full coverage car insurance, or around $143 per month. Rates range from $1,550 per year for the Charger SE Sedan to $2,044 for the Charger SRT Hellcat Sedan.
| 2017 Dodge Charger Trim Level | Annual Rate | Per Month |
|---|---|---|
| SE Sedan | $1,550 | $129 |
| SXT Sedan | $1,580 | $132 |
| Police Sedan | $1,620 | $135 |
| SE AWD Sedan | $1,620 | $135 |
| SXT AWD Sedan | $1,620 | $135 |
| R/T Sedan | $1,660 | $138 |
| Police AWD Sedan | $1,728 | $144 |
| R/T 392 Scat Pack Sedan | $1,728 | $144 |
| R/T 392 Sedan | $1,728 | $144 |
| R/T Daytona Sedan | $1,728 | $144 |
| R/T 392 Daytona Sedan | $1,766 | $147 |
| SRT 392 Sedan | $1,896 | $158 |
| SRT Hellcat Sedan | $2,044 | $170 |
How much does 2016 Charger insurance cost?
Average insurance cost for a 2016 Dodge Charger is $1,640 per year, or around $137 per month. Rates range from $1,494 per year for the Charger SE Sedan to $1,956 for the Charger SRT Hellcat Sedan.
| 2016 Dodge Charger Trim Level | Annual Rate | Per Month |
|---|---|---|
| SE Sedan | $1,494 | $125 |
| SXT Sedan | $1,520 | $127 |
| Police Sedan | $1,558 | $130 |
| SE AWD Sedan | $1,558 | $130 |
| SXT AWD Sedan | $1,558 | $130 |
| R/T Sedan | $1,594 | $133 |
| Police AWD Sedan | $1,660 | $138 |
| R/T Road Track Sedan | $1,660 | $138 |
| R/T Scat Pack Sedan | $1,660 | $138 |
| SRT 392 Sedan | $1,820 | $152 |
| SRT Hellcat Sedan | $1,956 | $163 |
How much does it cost to insure a 2015 Charger?
Insurance rates average $1,602 per year for a 2015 Dodge Charger, or around $134 per month. Rates range from $1,476 per year for the Charger SE Sedan to $1,890 for the Charger SRT Hellcat Sedan.
| 2015 Dodge Charger Trim Level | Annual Rate | Per Month |
|---|---|---|
| SE Sedan | $1,476 | $123 |
| SXT Sedan | $1,514 | $126 |
| Police Sedan | $1,548 | $129 |
| R/T Road Track Sedan | $1,548 | $129 |
| R/T Sedan | $1,548 | $129 |
| SE AWD Sedan | $1,548 | $129 |
| SXT AWD Sedan | $1,548 | $129 |
| Police AWD Sedan | $1,606 | $134 |
| R/T Scat Pack Sedan | $1,644 | $137 |
| SRT 392 Sedan | $1,748 | $146 |
| SRT Hellcat Sedan | $1,890 | $158 |
How much does 2014 Dodge Charger car insurance cost?
Average insurance cost for a 2014 Dodge Charger is $1,590 per year, or around $133 per month. Rates range from $1,520 per year for the Charger SE Sedan to $1,734 for the Charger SRT8 Sedan.
| 2014 Dodge Charger Trim Level | Annual Rate | Per Month |
|---|---|---|
| SE Sedan | $1,520 | $127 |
| SXT Sedan | $1,530 | $128 |
| Police AWD Sedan | $1,562 | $130 |
| Police Sedan | $1,562 | $130 |
| R/T AWD Sedan | $1,562 | $130 |
| R/T R/T Plus Sedan | $1,562 | $130 |
| R/T Sedan | $1,562 | $130 |
| SE AWD Sedan | $1,562 | $130 |
| SXT AWD Sedan | $1,562 | $130 |
| SXT SXT Plus Sedan | $1,562 | $130 |
| R/T AWD R/T Plus Sedan | $1,596 | $133 |
| R/T Road Track Sedan | $1,596 | $133 |
| SXT AWD SXT Plus Sedan | $1,596 | $133 |
| R/T AWD R/T Max Sedan | $1,638 | $137 |
| R/T R/T Max Sedan | $1,638 | $137 |
| Superbee Sedan | $1,692 | $141 |
| SRT8 Sedan | $1,734 | $145 |
How much is 2013 Dodge Charger auto insurance?
Insurance rates for a 2013 Dodge Charger average $1,472 per year, or about $123 per month. Rates range from $1,392 per year for the Charger SE Sedan to $1,572 for the Charger Superbee Sedan.
| 2013 Dodge Charger Trim Level | Annual Rate | Per Month |
|---|---|---|
| SE Sedan | $1,392 | $116 |
| Police Sedan | $1,422 | $119 |
| R/T Sedan | $1,422 | $119 |
| SE AWD Sedan | $1,422 | $119 |
| SXT Sedan | $1,422 | $119 |
| R/T AWD Sedan | $1,452 | $121 |
| R/T R/T Plus Sedan | $1,452 | $121 |
| SXT AWD Sedan | $1,452 | $121 |
| SXT SXT Plus Sedan | $1,452 | $121 |
| R/T AWD R/T Plus Sedan | $1,482 | $124 |
| R/T Road Track Sedan | $1,482 | $124 |
| SXT AWD SXT Plus Sedan | $1,482 | $124 |
| R/T AWD R/T Max Sedan | $1,542 | $129 |
| R/T R/T Max Sedan | $1,542 | $129 |
| SRT8 Sedan | $1,572 | $131 |
| Superbee Sedan | $1,572 | $131 |
