- Average Dodge Charger insurance cost is $2,098 per year, or $175 per month for full coverage.
- The Charger SXT trim level is the cheapest to insure at around $1,858 per year. The most expensive trim is the SRT Jailbreak at $2,352 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 $2,098 a year for a full coverage policy, which is about $175 each month. Monthly payments range from $155 to $196 depending on the trim level being insured.
Comprehensive insurance will cost around $468 a year, liability/medical (or PIP) coverage averages $658, and the remaining collision coverage will cost around $972.
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 $1,858 to $2,352 annually for an average driver, the cheapest trim level to insure is the SXT. The second cheapest model to insure is the GT at $1,912 per year.
On average, plan on budgeting at a bare minimum $155 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 $2,348 and $2,352 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 | $1,858 | $929 | $155 |
| GT | $1,912 | $956 | $159 |
| SXT AWD | $1,948 | $974 | $162 |
| GT AWD | $1,972 | $986 | $164 |
| R/T | $2,028 | $1,014 | $169 |
| Scat Pack | $2,086 | $1,043 | $174 |
| Scat Pack Widebody | $2,148 | $1,074 | $179 |
| SRT Hellcat Widebody | $2,314 | $1,157 | $193 |
| SRT Hellcat Redeye Widebody | $2,348 | $1,174 | $196 |
| SRT Jailbreak | $2,352 | $1,176 | $196 |
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 $2,098 per year for insurance, while the segment average cost is $1,749 annually, a difference of $349 per year.
When average rates are compared for all vehicles in the large car segment, insurance for a Dodge Charger costs $410 more per year than the Nissan Maxima, $476 more than the Chrysler 300, and $510 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 | $1,588 | -$510 |
| 2 | Chrysler 300 | $1,622 | -$476 |
| 3 | Nissan Maxima | $1,688 | -$410 |
| 4 | Dodge Charger | $2,098 | -- |
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 $1,974 per year, or around $165 per month. Rates range from $1,818 per year for the Charger SXT Sedan to $2,356 for the Charger SRT Hellcat Sedan.
| 2021 Dodge Charger Trim Level | Annual Rate | Per Month |
|---|---|---|
| SXT Sedan | $1,818 | $152 |
| GT Sedan | $1,864 | $155 |
| GT AWD | $1,910 | $159 |
| SXT AWD | $1,910 | $159 |
| R/T Scat Pack Sedan | $1,984 | $165 |
| R/T Sedan | $1,984 | $165 |
| SRT Hellcat Sedan | $2,356 | $196 |
How much are 2020 Dodge Charger car insurance rates?
Average car insurance rates for a 2020 Dodge Charger are $1,940 per year, or around $162 per month. Rates range from $1,786 per year for the Charger SXT Sedan to $2,308 for the Charger SRT Hellcat Sedan.
| 2020 Dodge Charger Trim Level | Annual Rate | Per Month |
|---|---|---|
| SXT Sedan | $1,786 | $149 |
| GT Sedan | $1,830 | $153 |
| GT AWD | $1,874 | $156 |
| SXT AWD | $1,874 | $156 |
| R/T Scat Pack Sedan | $1,948 | $162 |
| R/T Sedan | $1,948 | $162 |
| SRT Hellcat Sedan | $2,308 | $192 |
How much does 2019 Dodge Charger insurance cost?
Insurance rates for a 2019 Dodge Charger average $1,786 per year, or about $149 per month. Rates range from $1,648 per year for the Charger SXT Sedan to $2,146 for the Charger SRT Hellcat Sedan.
| 2019 Dodge Charger Trim Level | Annual Rate | Per Month |
|---|---|---|
| SXT Sedan | $1,648 | $137 |
| GT Sedan | $1,690 | $141 |
| Police Sedan | $1,734 | $145 |
| R/T Sedan | $1,734 | $145 |
| SXT AWD | $1,734 | $145 |
| Police AWD | $1,806 | $151 |
| R/T Scat Pack Sedan | $1,806 | $151 |
| SRT Hellcat Sedan | $2,146 | $179 |
What does 2018 Dodge Charger insurance cost?
2018 Dodge Charger car insurance rates average $1,748 per year, or around $146 per month. Cost ranges from $1,608 per year for the Charger SXT Sedan to $2,088 for the Charger SRT Hellcat Sedan.
| 2018 Dodge Charger Trim Level | Annual Rate | Per Month |
|---|---|---|
| SXT Sedan | $1,608 | $134 |
| GT AWD | $1,648 | $137 |
| Police Sedan | $1,648 | $137 |
| SXT Plus Sedan | $1,648 | $137 |
| R/T Daytona Sedan | $1,690 | $141 |
| R/T Sedan | $1,690 | $141 |
| Police AWD | $1,758 | $147 |
| R/T 392 Daytona Sedan | $1,758 | $147 |
| R/T 392 Scat Pack Sedan | $1,758 | $147 |
| R/T 392 Sedan | $1,758 | $147 |
| SRT 392 Sedan | $1,934 | $161 |
| SRT Hellcat Sedan | $2,088 | $174 |
How much are average 2017 Charger insurance rates?
A 2017 Dodge Charger averages $1,700 per year for full coverage car insurance, or around $142 per month. Rates range from $1,540 per year for the Charger SE Sedan to $2,028 for the Charger SRT Hellcat Sedan.
| 2017 Dodge Charger Trim Level | Annual Rate | Per Month |
|---|---|---|
| SE Sedan | $1,540 | $128 |
| SXT Sedan | $1,568 | $131 |
| Police Sedan | $1,608 | $134 |
| SE AWD Sedan | $1,608 | $134 |
| SXT AWD Sedan | $1,608 | $134 |
| R/T Sedan | $1,648 | $137 |
| Police AWD Sedan | $1,714 | $143 |
| R/T 392 Scat Pack Sedan | $1,714 | $143 |
| R/T 392 Sedan | $1,714 | $143 |
| R/T Daytona Sedan | $1,714 | $143 |
| R/T 392 Daytona Sedan | $1,752 | $146 |
| SRT 392 Sedan | $1,882 | $157 |
| SRT Hellcat Sedan | $2,028 | $169 |
How much does 2016 Charger insurance cost?
Average insurance cost for a 2016 Dodge Charger is $1,630 per year, or around $136 per month. Rates range from $1,486 per year for the Charger SE Sedan to $1,944 for the Charger SRT Hellcat Sedan.
| 2016 Dodge Charger Trim Level | Annual Rate | Per Month |
|---|---|---|
| SE Sedan | $1,486 | $124 |
| SXT Sedan | $1,512 | $126 |
| Police Sedan | $1,550 | $129 |
| SE AWD Sedan | $1,550 | $129 |
| SXT AWD Sedan | $1,550 | $129 |
| R/T Sedan | $1,586 | $132 |
| Police AWD Sedan | $1,650 | $138 |
| R/T Road Track Sedan | $1,650 | $138 |
| R/T Scat Pack Sedan | $1,650 | $138 |
| SRT 392 Sedan | $1,806 | $151 |
| SRT Hellcat Sedan | $1,944 | $162 |
How much does it cost to insure a 2015 Charger?
Insurance rates average $1,588 per year for a 2015 Dodge Charger, or around $132 per month. Rates range from $1,466 per year for the Charger SE Sedan to $1,874 for the Charger SRT Hellcat Sedan.
| 2015 Dodge Charger Trim Level | Annual Rate | Per Month |
|---|---|---|
| SE Sedan | $1,466 | $122 |
| SXT Sedan | $1,500 | $125 |
| Police Sedan | $1,536 | $128 |
| R/T Road Track Sedan | $1,536 | $128 |
| R/T Sedan | $1,536 | $128 |
| SE AWD Sedan | $1,536 | $128 |
| SXT AWD Sedan | $1,536 | $128 |
| Police AWD Sedan | $1,596 | $133 |
| R/T Scat Pack Sedan | $1,630 | $136 |
| SRT 392 Sedan | $1,734 | $145 |
| SRT Hellcat Sedan | $1,874 | $156 |
How much does 2014 Dodge Charger car insurance cost?
Average insurance cost for a 2014 Dodge Charger is $1,578 per year, or around $132 per month. Rates range from $1,510 per year for the Charger SE Sedan to $1,722 for the Charger SRT8 Sedan.
| 2014 Dodge Charger Trim Level | Annual Rate | Per Month |
|---|---|---|
| SE Sedan | $1,510 | $126 |
| SXT Sedan | $1,520 | $127 |
| Police AWD Sedan | $1,550 | $129 |
| Police Sedan | $1,550 | $129 |
| SXT SXT Plus Sedan | $1,550 | $129 |
| SXT AWD Sedan | $1,550 | $129 |
| SE AWD Sedan | $1,550 | $129 |
| R/T Sedan | $1,550 | $129 |
| R/T R/T Plus Sedan | $1,550 | $129 |
| R/T AWD Sedan | $1,550 | $129 |
| R/T Road Track Sedan | $1,582 | $132 |
| SXT AWD SXT Plus Sedan | $1,582 | $132 |
| R/T AWD R/T Plus Sedan | $1,582 | $132 |
| R/T R/T Max Sedan | $1,624 | $135 |
| R/T AWD R/T Max Sedan | $1,624 | $135 |
| Superbee Sedan | $1,680 | $140 |
| SRT8 Sedan | $1,722 | $144 |
How much is 2013 Dodge Charger auto insurance?
Insurance rates for a 2013 Dodge Charger average $1,458 per year, or about $122 per month. Rates range from $1,378 per year for the Charger SE Sedan to $1,558 for the Charger Superbee Sedan.
| 2013 Dodge Charger Trim Level | Annual Rate | Per Month |
|---|---|---|
| SE Sedan | $1,378 | $115 |
| Police Sedan | $1,408 | $117 |
| R/T Sedan | $1,408 | $117 |
| SE AWD Sedan | $1,408 | $117 |
| SXT Sedan | $1,408 | $117 |
| R/T AWD Sedan | $1,438 | $120 |
| R/T R/T Plus Sedan | $1,438 | $120 |
| SXT AWD Sedan | $1,438 | $120 |
| SXT SXT Plus Sedan | $1,438 | $120 |
| R/T AWD R/T Plus Sedan | $1,466 | $122 |
| R/T Road Track Sedan | $1,466 | $122 |
| SXT AWD SXT Plus Sedan | $1,466 | $122 |
| R/T AWD R/T Max Sedan | $1,528 | $127 |
| R/T R/T Max Sedan | $1,528 | $127 |
| SRT8 Sedan | $1,558 | $130 |
| Superbee Sedan | $1,558 | $130 |
