The Dodge Charger is an American muscle car that has been marketed in various forms since 1966. The Charger is known for combining power and style. The 2026 Dodge Charger comes in both two-door and four-door options. No matter what type of Charger you drive, it must be protected by the right car insurance.
When you're ready to shop for Charger insurance, a local independent insurance agent can help you find the best coverage. They know where to find affordable coverage that delivers quality. But first, here's a breakdown of Dodge Charger insurance costs by model year and top-rated insurance company for 2026.
Key Takeaways - Dodge Charger Car Insurance
Dodge Charger insurance costs an average of $3,264 per year, or approximately $272 per month, for full coverage in 2026.
Minimum coverage for a Dodge Charger costs an average of $2,052 per year, or approximately $171 per month.
Dodge Charger insurance rates vary widely by state, with drivers in Louisiana paying an average of $280 per month for minimum coverage, while those in Wyoming pay only $51.
Progressive, USAA, and American Family are the cheapest carriers for model-year 2025 Dodge Charger insurance this year.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Dodge Charger model.
What Is Dodge Charger Insurance?
Dodge Charger insurance begins with a typical car insurance policy and is topped off with custom coverages tailored to protect your unique vehicle. As an American muscle car, the Charger may require specialized coverage that standard sedans don't need. Because of this, you can expect Dodge Charger insurance premiums to be higher than those for your everyday car.
Recommended coverage options for Dodge Charger drivers:
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
Add-on coverage options worth considering for a Dodge Charger:
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Dodge parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- Dodge warranty insurance: This can extend Dodge's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- Gap insurance: If you have a new or financed Dodge vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
Working with a local independent insurance agent is a great way to get set up with all the Charger insurance you need. It's critical to satisfy your state's requirements for car insurance coverage, and your agent can help you achieve this.
How Much Does Dodge Charger Insurance Cost?
The average cost of full coverage car insurance for a Dodge Charger is $3,264 per year, or approximately $272 per month. Minimum coverage costs an average of $2,052 per year, or approximately $171 per month. However, several factors can influence the cost of Dodge insurance, including:
- The specific type of Charger you drive
- Your credit score (where allowed)
- The types and amount of coverage you need
- Your claims history
- Your location
- Your driving history
An independent insurance agent can help you find affordable Dodge Charger insurance from a reputable carrier in your area.
Is the Dodge Charger Expensive to Insure?
Yes and no. While the Dodge Charger is expensive to insure compared to standard vehicles, it's not necessarily expensive to insure compared to other sports and muscle cars. The Charger's average premium rates are quite comparable to those of the Porsche 718 and the Lotus Elise, and are a bit cheaper than the Audi R8 and the Aston Martin DBS.
However, the Charger's average rates are slightly higher than those of the Bentley Continental. The table below compares the average monthly premium for the Charger with those of similar vehicles.
| Vehicle | Average Monthly Cost of Car Insurance |
| Bentley Continental | $202 |
| Ferrari F430 | $204 |
| Porsche 718 | $204 |
| Dodge Charger | $206 |
| Lotus Elise | $208 |
| Audi R8 | $211 |
| Aston Martin DBS | $215 |
Dodge Charger Insurance Costs by Model Year
Next, we'll break down several model years of the Dodge Charger and the average insurance costs for each.
| Model Year | Average Annual Cost of Minimum Coverage |
| 2026 Dodge Charger | $1,745 |
| 2025 Dodge Charger | $1,469 |
| 2023 Dodge Charger | $765 |
| 2022 Dodge Charger | $948 |
| 2021 Dodge Charger | $547 |
| 2020 Dodge Charger | $803 |
| 2019 Dodge Charger | $669 |
| 2018 Dodge Charger | $807 |
| 2017 Dodge Charger | $662 |
| 2016 Dodge Charger | $770 |
| 2015 Dodge Charger | $932 |
| 2014 Dodge Charger | $683 |
| 2013 Dodge Charger | $764 |
| 2012 Dodge Charger | $660 |
| 2011 Dodge Charger | $830 |
| 2010 Dodge Charger | $290 |
Cheapest Dodge Charger Car Insurance Companies for 2026
You can find affordable Dodge Charger insurance from many outstanding carriers. These top-rated car insurance companies provide the cheapest model-year 2025 Charger insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Progressive | $1,557 |
| USAA | $2,865 |
| American Family | $2,938 |
| Nationwide | $3,153 |
| Erie | $3,588 |
| Allstate | $6,115 |
Dodge Charger Car Insurance Rates by State
Your location also greatly affects the cost of auto insurance. Here are some average Dodge Charger car insurance rates by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Alabama | $127 | $238 |
| Alaska | $96 | $205 |
| Arizona | $186 | $344 |
| Arkansas | $118 | $263 |
| California | $133 | $271 |
| Colorado | $132 | $317 |
| Connecticut | $193 | $330 |
| Delaware | $194 | $323 |
| Florida | $184 | $430 |
| Georgia | $201 | $332 |
| Hawaii | $71 | $161 |
| Idaho | $79 | $160 |
| Illinois | $131 | $243 |
| Indiana | $89 | $175 |
| Iowa | $80 | $192 |
| Kansas | $101 | $236 |
| Kentucky | $169 | $288 |
| Louisiana | $280 | $607 |
| Maine | $72 | $149 |
| Maryland | $219 | $370 |
| Massachusetts | $139 | $294 |
| Michigan | $212 | $410 |
| Minnesota | $112 | $234 |
| Mississippi | $129 | $252 |
| Missouri | $161 | $320 |
| Montana | $104 | $243 |
| Nebraska | $99 | $225 |
| Nevada | $246 | $445 |
| New Hampshire | $98 | $172 |
| New Jersey | $222 | $365 |
| New Mexico | $114 | $255 |
| New York | $168 | $300 |
| North Carolina | $116 | $227 |
| North Dakota | $82 | $179 |
| Ohio | $110 | $214 |
| Oklahoma | $131 | $293 |
| Oregon | $167 | $290 |
| Pennsylvania | $121 | $286 |
| Rhode Island | $168 | $299 |
| South Carolina | $143 | $267 |
| South Dakota | $79 | $239 |
| Tennessee | $113 | $225 |
| Texas | $173 | $352 |
| Utah | $145 | $245 |
| Vermont | $64 | $153 |
| Virginia | $127 | $206 |
| Washington | $128 | $238 |
| West Virginia | $118 | $239 |
| Wisconsin | $95 | $209 |
| Wyoming | $51 | $165 |
Average Dodge Charger Insurance Rates by Age and Driver Profile
Your age, driving record, and credit are also major factors that can determine car insurance costs. Here are some average Dodge Charger insurance rates by driver age and profile in 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $6,227 | $9,174 | $10,659 |
| 20 | $4,808 | $7,049 | $8,218 |
| 25 | $2,832 | $4,097 | $4,856 |
| 30 | $2,207 | $3,252 | $3,744 |
| 35 | $1,998 | $3,019 | $3,490 |
| 40 | $1,978 | $2,904 | $3,381 |
| 45 | $1,898 | $2,766 | $3,302 |
| 55 | $1,730 | $2,566 | $2,997 |
| 65 | $1,846 | $2,726 | $3,164 |
| 75 | $2,332 | $3,358 | $3,928 |
Average Dodge Charger Insurance Rates by Trim Level
Does performance trim increase the cost of my Dodge Charger insurance? The answer can certainly be yes, depending on the specific trim level you choose. Here are some average Dodge Charger insurance costs by trim level for 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Daytona 392 Sedan 4D | $92 | $178 |
| R/T Plus Sedan 4D | $94 | $182 |
| Rallye Sedan 4D | $98 | $188 |
| SXT 100th Anniversary Edition Sedan 4D | $98 | $190 |
| R/T Max Sedan 4D | $99 | $190 |
| R/T 100th Anniversary Edition Sedan 4D | $100 | $192 |
| Gt Sedan 4D | $104 | $201 |
| R/T Sedan 4D | $105 | $203 |
| R/T Road/Track Sedan 4D | $106 | $204 |
| Daytona Sedan 4D | $111 | $216 |
| GT Plus Sedan 4D | $117 | $227 |
| SRT8 Superbee Sedan 4D | $137 | $264 |
| R/T Scat Pack Sedan 4D | $147 | $285 |
Best Dodge Charger Insurance Discounts: How to Lower Your Dodge Charger Insurance Premiums
You can potentially bring your Dodge Charger insurance costs down considerably by following any of these strategies:
- Ask about Dodge Charger insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about telematics programs: Your insurance company or Dodge may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Compare quotes from multiple carriers: Comparing Dodge Charger insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Dodge Charger insurance from a trusted carrier near you.
Working with a local independent insurance agent is the best way to get matched to the most affordable, yet reliable, Dodge Charger insurance near you. Your agent can even recommend additional ways to possibly bring your premium rates down further.
An Independent Insurance Agent Can Help You Get the Best Dodge Charger Insurance Quotes
When it's time to find the most affordable Dodge Charger insurance, no one's better equipped to help than a local independent insurance agent. These agents know where to find the best Dodge Charger insurance coverage and rates, and can shop and compare quotes and policy options from several carriers for you.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Dodge Charger Insurance
How much does Dodge Charger insurance cost per year?
The average annual cost of full coverage for a Dodge Charger is $3,264 per year, or approximately $272 per month. The cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Dodge Charger insurance premiums?
If you've filed claims in the past, have any accidents or traffic violations on your record, or live in a high theft-risk area, these factors can all increase the cost of Dodge Charger insurance.
Is the Dodge Charger expensive to insure?
Yes and no. The Dodge Charger has higher average premium rates than non-muscle and sports cars, but its insurance costs are also quite comparable to many similar vehicles, including the Porsche 718 and the Lotus Elise.
What are the best and cheapest carriers for Dodge Charger insurance in 2026?
We found that Progressive, USAA, and American Family are the best and cheapest car insurance companies for model-year 2025 Dodge Charger insurance this year.
How can I get cheaper Dodge Charger insurance?
Finding cheaper Dodge Charger insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
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Sources
https://www.moneygeek.com/insurance/auto/dodge-charger-insurance/
https://www.insuranceopedia.com/auto-insurance/dodge-charger-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/dodge/charger/