Dodge Charger Car Insurance

Looking to insure your Dodge Charger? GEICO can answer your insurance questions and provide you with affordable car insurance, all with great customer service.

How much does car insurance for a Dodge Charger cost?

Insurance costs are determined by a variety of factors and can vary greatly. The cost of insuring a Dodge Charger can sometimes be higher than average due to its performance capabilities and a higher rate of liability claims. Whether you drive a standard model or a high-performance trim, understanding what affects your rates can help you find the best coverage at the right price. The key factors that influence costs include:

  • Engine Size & Trim Level: Chargers with larger, high-performance engines (like the Scat Pack or Hellcat) typically have higher insurance rates due to increased horsepower and repair costs. 
  • Vehicle Upgrades & Modifications: Aftermarket modifications, such as custom wheels, performance tuning, or upgraded exhaust systems, can increase your insurance costs.
  • Crash Test Ratings & Safety Features: While the Charger has solid crash test ratings, its classification as a muscle car may still impact rates, especially if safety features like automatic braking or lane assist are not included. 
  • Driver Age & Experience: Younger drivers or those with limited experience may face higher premiums, as performance vehicles are statistically involved in more accidents among these groups.
  • Driving Record & Location: A clean driving record can lower your rate, but living in an area with high accident or theft rates can increase costs.

See how much money you could save on Dodge Charger insurance! Let's get started on your personalized auto insurance quote.

What you need for a Dodge Charger auto insurance quote.

Getting car insurance for a Dodge Charger with GEICO has never been easier. In fact, you can get a free, personalized car insurance quote right from this page. To complete your car insurance quote, you will need:

  • A valid driver's license
  • Your Dodge Charger's vehicle identification number (VIN)
  • The physical address where your vehicle is stored

During the quote:

  • You'll learn about coverage options available to you, including state minimums, so you can choose the best car insurance for you and your family. Depending on your driving habits, memberships, and more, you may be able to get some exciting discounts.
  • Finally, you'll receive a great, personalized rate. The best part? Once you have your quote, you'll immediately be able to purchase your Dodge Charger car insurance policy online.

How to save on Dodge Charger insurance

While performance cars can come with higher premiums, there are several ways to lower your costs. GEICO offers multiple car insurance discounts that can help Charger owners save while still getting the coverage they need, including:

  • Multi-Policy Discount: to get a multi-policy discount,  bundle your auto insurance with other policies such as homeowners, renters, motorcycle, and more.
  • DriveEasy Savings: Enroll in GEICO’s DriveEasy program to earn potential savings based on your safe driving habits.
  • Safe Driver Discount: Avoid accidents and traffic violations for at least five consecutive years to qualify for lower rates.
  • Vehicle Safety Features Discount: Chargers with advanced safety features like adaptive cruise control, lane assist, and anti-theft devices may be eligible for additional savings.
  • Good Student Discount: Full-time students who maintain a B average or better may qualify for a discount on car insurance.
  • Paid in Full Discount: Save on car insurance policy by paying your premium in full.
Get a free online quote for your Dodge Charger insurance today, or contact a local GEICO agent near you to see what additional car insurance discounts you may qualify for.

Dodge Charger Insurance Coverage Options

As a powerful muscle car, the Dodge Charger requires insurance that matches its performance and protection needs. Whether you use it for daily driving or weekend thrills, having the right coverage ensures you’re financially protected from accidents, theft, and unexpected repairs. GEICO offers a variety of coverage options, including:

  • Liability Coverage (Mandatory in Most States): Covers bodily injury and property damage to others if you’re at fault in an accident.
  • Personal Injury Protection (PIP - Required in Some States): Helps cover medical expenses and lost wages for you and your passengers, regardless of fault.
  • Uninsured/Underinsured Motorist Coverage (Required in Some States): Protects you if you’re hit by a driver with little or no insurance.
  • Collision Coverage: Helps pay for repairs to your Dodge Charger after a collision, regardless of fault.
  • Comprehensive Coverage: Covers non-collision damage, such as theft, vandalism, fire, or weather-related incidents.
  • Medical Payments (MedPay): Helps cover medical expenses for you and your passengers after an accident, regardless of fault.
  • Rental Reimbursement: Helps cover the cost of a rental car while your Charger is being repaired after a covered loss.
  • Emergency Roadside Service: Provides assistance 24/7 should your Charger get a flat tire, need a tow, and more.
  • Mechanical Breakdown Insurance: Can help pay for the cost of repairs for mechanical issues that are not typically covered by traditional auto insurance.

Check out safety ratings on your Dodge Charger.

Get to know your Dodge Charger's safety ratings, as well as any known safety issues or recalls. Check out the following free resources:

  • The Insurance Institute for Highway Safety conducts vehicle crash tests and assesses the safety features of vehicles. This review is completed by an independent, nonprofit organization.
  • The National Highway Traffic Safety Administration maintains a database of vehicle safety issues and recalls. If you enter the vehicle identification number (VIN) or its year, make, and model, you can learn about any related safety issues and recalls.

Dodge Charger Insurance FAQs

  • How much does Dodge Charger insurance typically cost?
    The cost of insuring a Dodge Charger varies based on factors like your driving history, location, and the specific trim level of your vehicle. Taking advantage of discounts can help you find the best rate.
  • Why is Dodge Charger insurance more expensive than other car insurance?
    Dodge Charger insurance can sometimes be more expensive because it is classified as a performance vehicle, which means it has higher repair costs and a greater likelihood of being involved in high-speed accidents. It also has a higher-than-average rate of liability claims, making it riskier for insurers to cover.
  • What is the best insurance for a Dodge Charger?
    The best insurance for a Dodge Charger depends on your state's requirements, your personal coverage needs, and your budget. GEICO offers personalized policies with competitive rates and multiple discounts to help you get the right coverage at the best price.

Looking for insurance on a different make/model?

Check our listing on Auto Insurance by Vehicle Make & Model.

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Some discounts, coverages, payment plans, and features are not available in all states or all GEICO companies. Coverage is subject to the terms, limits and conditions of your policy contract.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.