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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
The Dodge Charger costs much more to insure than the average car, according to Compare.com data. On average, liability-only coverage costs $147 per month, while full coverage runs $272. For comparison, the national average monthly premium for all vehicles is $152.
High-performance models like the Hellcat and Scat Pack drive rates up due to increased claims costs and theft rates. Charger Hellcats are among the most stolen vehicles in the U.S., according to Insurance Institute for Highway Safety (IIHS) data.[1] But costs vary widely based on your location, age, and insurer.
Fortunately, several companies offer much cheaper rates for Chargers. For example, Novo has the lowest average monthly rate of any insurer, according to our research — just $103 per month.
Below, we break down the cheapest car insurance companies, coverage options, and additional ways to save on insurance for your Dodge Charger.
Novo offers the cheapest average rate for Charger drivers, at $103 per month, but the best way to find the lowest rate is to compare quotes from multiple companies.
Location significantly affects Charger insurance rates. States like New York and Connecticut have some of the highest premiums, while North Carolina’s average insurance costs are among the lowest.
Insurance costs drop significantly with age. Teen drivers pay the highest rates, and costs gradually decrease until drivers reach their 70s.
Your car insurance rates largely depend on the type of car insurance policy you choose. Liability-only policies — especially ones with state minimum coverage — are cheaper than full- coverage policies. That’s because full-coverage policies include liability coverage plus collision (coverage for your vehicle after an at-fault accident) and comprehensive (coverage for your vehicle after a non-collision event like hail).
The table below shows the average monthly premiums for Dodge Chargers based on the policy type and how they compare to the national average.
Vehicle ▲▼ | Average Monthly Premium: Liability ▲▼ | Average Monthly Premium: Full Coverage ▲▼ | Average Monthly Premium: All Policies ▲▼ |
|---|---|---|---|
| Dodge Charger | $147 | $272 | $209 |
| All vehicles | $107 | $197 | $152 |
The average monthly rate for a Charger is $147 for liability insurance and $272 for full-coverage policies. That’s a lot more than the average monthly premiums for all vehicles: $107 and $197 per month, respectively.
But your coverage type is just one of many factors that affect policy costs. Let’s review other important aspects next.
Even though the average cost of car insurance for a Dodge Charger is $209 per month, you can save money on your premium in several ways. One is to gather quotes from companies that provide cheaper average rates on average.
In the table below, we’ve compiled the five cheapest companies for Chargers based on data from Compare.com.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| Novo | $103 |
| Certainly | $115 |
| Root | $132 |
| Mile Auto | $134 |
| HiRoad | $138 |
Novo offers the cheapest rates, on average, for Dodge Chargers, with monthly premiums at $103. But keep in mind that although these companies are the cheapest on average, they might not be the most affordable for you. The best way to find your cheapest premium is to compare quotes from several insurance companies before you buy.
Liability-only policies start as low as $16 per month.
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No single company is the “best” for every Dodge Charger driver. Rates, coverage needs, and available discounts vary from one person to the next. Some companies, though, consistently perform better than competitors.
The following companies stand out based on a combination of average insurance costs, customer reviews, coverage options, and discounts.
Whether you’re looking for extra policy perks, maximum coverage, or top-tier service, this list highlights some of the best insurers for your Dodge Charger.
Compare.com Rating: 4.90 out of 5
Many available coverage options
User-friendly online and mobile tools
Strong local agent network
Below-average customer service ratings
Potential issues with online quotes
Discounts may vary by state
Nationwide is a well-established insurer offering extensive coverage options, numerous discounts, and bundling opportunities. You’ll also find rarer options like vanishing deductibles, accident forgiveness, gap insurance, and a total loss deductible waiver.
But customers report mixed experiences with service on ConsumerAffairs and Trustpilot, and rates tend to be higher than average for many drivers. Also, the online quote tool can be a little glitchy and may require you to contact a representative for help. Even so, for people prioritizing a wide range of policy perks, Nationwide is a solid choice.
Compare.com Rating: 4.53 out of 5
Many available coverage options
Higher-than-average claims satisfaction
Large network of local agents
Poor driving with telematics can raise rates
Below-average customer satisfaction
Inconsistent agent experiences
Farmers Insurance provides a large variety of coverage options and discounts, supported by a network of local agents. If you want personalized service, you can find it with Farmers.
But premiums tend to be above average, according to Compare.com data. Customer satisfaction scores are also mixed, with Farmers scoring below average in most of the regions it operates in, according to J.D. Power.[2]
Compare.com Rating: 4.75 out of 5
Highly customizable policies
Rare options like RateLock
High customer satisfaction
Available in only 12 states
Basic mobile app features
Limited digital policy management
Erie Insurance is known for affordable rates and excellent customer service. While the company boasts strong J.D. Power customer satisfaction scores, its services are limited to 12 states, and its digital tools are less advanced than some competitors.
Erie's premium insurance program, Erie Auto Plus, includes a diminishing deductible, a $10,000 death benefit, extended transportation expense coverage, waived deductibles (in some cases), and increased limits for certain coverages.
Compare personalized quotes from dozens of the nation’s top insurers.
The age of your vehicle can indirectly affect your car insurance premiums. In general, the more valuable your vehicle, the more it costs to insure. That means newer cars generally have higher premiums than older cars.
The table below shows how average costs change based on the model’s year.
Charger Model Year ▲▼ | Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Cheapest Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| 2023 | $244 | Mercury | $167 |
| 2022 | $244 | HiRoad | $135 |
| 2021 | $233 | Root | $136 |
| 2020 | $231 | Certainly | $128 |
| 2019 | $229 | Certainly | $122 |
| 2018 | $221 | Certainly | $118 |
| 2017 | $207 | Safeco | $104 |
| 2016 | $202 | Mile Auto | $109 |
| 2015 | $193 | Safeco | $99 |
| 2014 | $181 | Root | $79 |
Your car’s trim level also has an effect on your insurance costs. The seventh-generation Charger had seven trims: SXT, GT, R/T, Scat Pack, Scat Pack Widebody, Hellcat Widebody Jailbreak, and Hellcat Redeye Jailbreak. On the other hand, the new electric Charger comes in just two: Daytona R/T and Daytona Scat Pack.
Now that you understand how the age of your car affects rates, let’s look at another important factor: your location.
Where you live plays a major role in your insurance rate. That’s because states have different insurance requirements, claim frequencies, crime rates, weather patterns, and other factors that affect insurance premiums.
Here’s the average monthly premium for Dodge Chargers for every U.S. state, according to Compare.com data.
State ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| Alabama | $138 |
| Arizona | $185 |
| Arkansas | $265 |
| California | $266 |
| Colorado | $216 |
| Connecticut | $420 |
| Delaware | $256 |
| Florida | $270 |
| Georgia | $274 |
| Idaho | $139 |
| Illinois | $172 |
| Indiana | $149 |
| Iowa | $125 |
| Kansas | $170 |
| Kentucky | $270 |
| Louisiana | $249 |
| Maine | $164 |
| Maryland | $380 |
| Massachusetts | $208 |
| Michigan | $324 |
| Minnesota | $208 |
| Mississippi | $208 |
| Missouri | $203 |
| Montana | $168 |
| Nebraska | $194 |
| Nevada | $329 |
| New Hampshire | $127 |
| New Jersey | $219 |
| New Mexico | $160 |
| New York | $532 |
| North Carolina | $103 |
| North Dakota | $160 |
| Ohio | $141 |
| Oklahoma | $179 |
| Oregon | $178 |
| Pennsylvania | $181 |
| Rhode Island | $158 |
| South Carolina | $303 |
| South Dakota | $134 |
| Tennessee | $156 |
| Texas | $245 |
| Utah | $201 |
| Vermont | $150 |
| Virginia | $200 |
| Washington | $154 |
| Washington, D.C. | $314 |
| West Virginia | $160 |
| Wisconsin | $141 |
| Wyoming | $134 |
Next, let’s review how your age affects your car insurance rate.
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Your age is one of the most influential factors affecting your car insurance rates. Younger drivers tend to pay higher average rates due to their higher number of car accidents, according to the U.S. Centers for Disease Control and Prevention (CDC).[3]
On the other hand, seniors’ rates are usually the lowest because they often drive less and cause fewer accidents (though this trend starts to reverse when you reach age 70).
Here’s how age affects Charger rates and how those costs compare to average premiums, according to our data.
Age Group ▲▼ | Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Cheapest Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| Teens | $394 | Novo | $194 |
| 20s | $270 | Novo | $133 |
| 30s | $209 | Novo | $103 |
| 40s | $192 | Novo | $94 |
| 50s | $172 | Novo | $85 |
| 60s | $161 | Novo | $79 |
| 70s | $174 | Novo | $85 |
At $394 per month, Charger rates for teen drivers are substantially higher than for all other age groups, but rates drop substantially by the time you reach age 30. Premiums continue to decrease with age until you reach your 70s.
Next, let’s review how your driving history affects your insurance rate.
Your driving record is another important factor that determines your car insurance costs. If you have a clean driving record, you’ll pay less (and may get a good driver discount). But if you’ve had a recent incident — like a ticket or accident — you’ll usually pay more. That’s because car insurance companies deem drivers with incidents to be at higher risk for future claims.
Here’s the average monthly premiums for Dodge Chargers based on the driver’s record, according to data from Compare.com.
Driving Record ▲▼ | Average Monthly Premium ▲▼ | Cheapest Insurer ▲▼ | Cheapest Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|---|
| Clean record | $209 | Novo | $103 |
| Speeding ticket | $291 | Novo | $143 |
| At-fault accident | $303 | Novo | $149 |
| DUI | $345 | Novo | $169 |
Compared to premiums for drivers with clean records, Charger drivers with a DUI pay substantially higher rates. Novo provides the lowest rates to drivers in this group, at $169 per month — less than half the average rate for all companies.
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A Dodge Charger’s options and features can significantly influence insurance premiums. Insurers consider whether your car is likely to be targeted by car thieves and also how much damage it may cause — or sustain — in an accident.
For example, HEMI and SRT Hellcat models have significantly higher-than-average collision and comprehensive claims costs.[4] Standard models have lower claim rates (though still higher than average), which can earn you relatively lower premiums.
Similarly, you may earn lower premiums and a discount if your Charger is equipped with advanced safety features. Some features, though, can actually increase insurance rates because they increase repair costs. These features include lane-departure warning and blind-spot monitoring.
Lastly, Chargers also have higher theft rates — especially the HEMI and SRT Hellcat models.[5] Adding anti-theft devices, such as alarms or tracking systems, can reduce theft risk and increase the likelihood of recovery, potentially lowering your insurance costs.
Insuring a Dodge Charger can be pricey, but you can use several strategies to lower your costs. Here are some of the best ways Charger drivers can save money:
Choose a V-6 model. High-performance models have higher claim and theft rates, so opting for a more basic model can potentially earn you lower premiums.
Increase your deductible. Raising your deductible from $500 to $1,000 (or higher) typically results in lower monthly premiums. But make sure you can afford the extra cost if you need to file a claim.
Take a driving course. Defensive driving courses and driver safety training can reduce your likelihood of filing an insurance claim, earning you lower premiums or discounts with some insurance companies.
Maintain a clean record. If your rates are high due to your driving record, avoid infractions going forward. Consider enrolling in a telematics program to lower rates in the meantime.
Compare quotes regularly. Insurance rates change over time, so shopping around at least once per year ensures you’re getting the best deal.
Compare rates from America’s cheapest car insurance companies.
Car insurance rates for the Dodge Charger vary based on factors like model year, trim level, driving history, and location. Below are answers to common questions about insuring this popular muscle car.
Yes. Dodge Chargers are generally more expensive to insure than the average sedan due to their high horsepower, sporty design, and increased risk of theft. Insurance rates also vary by trim level, with high-performance models like the Hellcat costing significantly more.
Our data shows that the average Dodge Charger costs around $209 per month to insure — nearly 40% more than the average vehicle.
Our data shows that Novo is the cheapest insurer for Dodge Chargers, with the average policy costing just $103 per month. Choosing higher deductibles, maintaining a clean driving record, and taking advantage of discounts can help lower costs.
Not necessarily. While engine size can indirectly affect insurance costs, factors like vehicle safety ratings, theft risk, and overall repair costs play a bigger role. A V-6 Dodge Charger may cost less to insure than one with a V-8 because it has less horsepower and a lower accident risk.
Car insurance rates usually remain high at age 18 but may decrease slightly compared to rates for younger teen drivers. The most significant drops in cost typically occur at ages 25 and beyond — especially for drivers with a clean record.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Becky Helzer is an insurance and personal finance editor who has worked with Compare.com since 2025. A seasoned editor, Becky has experience working with content across several industries, including P&C insurance, home finance, technology, and home improvement. She has a passion for breaking down complex topics into clear, easy-to-understand copy.
Becky earned a bachelor’s degree in technical journalism from Colorado State University.
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