Dodge Charger Insurance Cost: Average Rates & What Drives Them

The Charger is a four-door sedan sold with everything from a modest V6 to supercharged V8 power, and insurers treat those versions very differently. A base model is priced close to a family sedan. A Hellcat or a Scat Pack sits in a different risk class because of its horsepower, its repair bills, and the drivers it attracts. The long-running gas Charger also ended production after the 2023 model year, and the newer generation arrived as a different product.

That spread means an average hides a lot. This page shows the typical figure, then how model year, insurer, and state move it, so you can see where your own car might fall.

Full coverage on a Charger runs above the national figure for all vehicles. The minimum coverage line is shown for reference, though a financed or leased car will need collision and comprehensive.

Insurers look at claims history by model. Powerful rear-wheel-drive sedans tend to produce more expensive collision claims, and performance parts, wheels, brakes, and body panels cost more to replace than those on a commuter car. Theft is another factor that varies by model and year, and a high-horsepower car may draw a rate surcharge even if you drive it carefully.

Trim matters inside the Charger family. A V6 model typically sits well below a V8 Scat Pack, and the supercharged Hellcat versions are normally the most expensive to cover. If you are shopping for a Charger, get an insurance quote for the exact trim before you sign the sales paperwork.

The jump between older and recent model years is steep. Newer cars cost more to replace, and the table shows how large the difference becomes.

A 2025 Charger averages $533/mo, which is nearly double the $278/mo for a 2020. A 2006 model comes in at $184/mo. Older Chargers are cheaper partly because their market value is lower, which lowers the cost of a total loss.

Rates for the same car can differ by hundreds of dollars a year between carriers, since each insurer weights performance cars its own way. Three large companies are listed below.

GEICO averages $179/mo here, State Farm $270/mo, and Progressive $301/mo. A company that is cheap for a minivan may not be cheap for a V8 sedan, so compare quotes for your own trim.

State averages swing widely. Louisiana is the most expensive of the states shown at $607/mo, California is $271/mo, and Maine is far lower at $149/mo. Local theft, weather, and accident frequency all play a part.

MoneyGeek reports $272/mo for full coverage across model years and trims. Insurify lists an average quote of $203/mo, but its page does not say which coverage level that number reflects, so it is not a clean match for the full coverage figure. Read the Insurify number as a rough marker only.

• Ask for quotes on the exact trim and model year, not just "Charger."
• Ask whether aftermarket wheels, tuning, or modified parts change the rate or void coverage.
• Ask if a lower mileage limit or a garage discount applies.
• Find out how a claim would be handled if a part has to be sourced for a discontinued generation.