How Much Is Dodge Charger Car Insurance?

Dodge Charge Car Insurance & Discounts

A Dodge Charger car insurance price of $212.10 per month or $2,545.17 per year is predicted to be the average monthly rate in 2021, according to insurance firms. Your actual expenditures, on the other hand, are impacted by a variety of circumstances, including your driving history, car model, and geographic area, among others.

How we determine Dodge Charger car Insurance pricing?

According to our estimations, a 30-year-old driver from California who has a clean driving record stands a good chance of winning the lottery. California is one of just seven states that does not charge different rates for car insurance based on a person’s gender.

In addition, we selected comprehensive car insurance with liability limits that are higher than the California state minimum requirements, which contain the following provisions:

Dodge Charger Car Insurance and Discounts - Dodge Brand Car Logo
  • Bodily injury liability per person: $50,000
  • Bodily injury liability per accident: $100,000
  • Property damage liability: $50,000
  • Comprehensive deductible: $500
  • Collision deductible: $500
  • Medical payments: $5,000
  • Uninsured motorist bodily injury: $50,000/$100,000

Comparing Dodge Charger Insurance Cost is Simple if you know how

Shopping for vehicle insurance can be a frustrating experience since the rates may be expensive, the industry jargon can be complicated, and, let’s face it, no one like paying for something they are unlikely to use. Even worse, health insurance is required in virtually every state, thus aggravating the situation. Despite the fact that you cannot avoid purchasing insurance, you may shop around for a better rate. Before making a decision, take into consideration the following considerations.

  • Price. It is critical that you utilize the same information when soliciting quotations from different service providers. The ability to compare comparable coverage allows you to receive the best deal possible.
  • Deductible. Pick a deductible that is appropriate for your financial position; however, take in mind that the amount you choose will have an impact on your monthly premiums as well.
  • Minimum coverage. Except for New Hampshire and Virginia, every state has a bare minimum requirement for health insurance coverage. Examine whether or not the state’s minimal requirements have been satisfied prior to acquiring insurance.
  • Additional coverage. When it comes to enhancing your Dodge charger car insurance coverage, there are several alternatives available, with personal injury protection and medical expenses coverage being two examples. Identify the alternatives that are accessible and make certain that they are included in any vendor quotations that you receive from them.
  • Extras. It’s essential to understand what’s included and what you’ll need to pay separately before purchasing a policy because each one has a distinct set of advantages.
  • Restrictions. Depending on the source, there may be restrictions on the coverage. Determine whether any of these apply to you in order to prevent coverage gaps or claim denials in the future.
  • Manufacturer offer or loyalty discount. Manufacturer discounts and customer loyalty programs may be able to assist you in saving money on your vehicle insurance. Find out if Dodge is involved in any collaborations that might lead to the creation of unique offers.
  • Warranty. Seek advice from your manufacturer or extended warranty provider to determine what is covered in order to avoid paying twice for the same protection.

What variables influence the price of Dodge Charger car insurance?

Your vehicle insurance premiums are heavily impacted by your claim history and the expense of completely resolving such claims. Because car performance, theft rates, safety features, and other characteristics vary significantly between brands and models, insurance companies base their prices on the vehicle you choose.

  • Body type. This four-door sedan is built for performance, but it also has advanced safety features, making it an ideal second vehicle for families. This has the potential to result in cost savings in the insurance industry.
  • Type of car. The Dodge Charger, which is classed as a muscle car, is equipped with a lot of power. Insurance may be more expensive due to the possibility of it being driven at high speeds.
  • Theft. In compared to other vehicles, the Charger has a high theft rate, which may result in increased insurance premiums.
  • Repairs. Dodge Charger damage is a reasonably affordable repair, with an average annual cost of $625. While this cost is likely to be higher on more expensive models, the reductions in repair expenses may result in insurance savings.
  • Safety ratings. The Dodge Charger has superior safety ratings in nearly every area, which may help you save money on insurance.
  • Fuel type. The Charger is a gasoline-powered car, which often has a lower insurance cost than diesel or hybrid automobiles.
  • Trim & packages. If you choose to modify your vehicle in a way that drastically improves its power or worth, your insurance rates may skyrocket. On the other hand, measures designed to increase safety or visibility may have the inverse impact.

What are the most cost-effective Dodge Charger safety measures?

If your Dodge Charger is equipped with the following safety features, you may qualify for a vehicle insurance discount.

  • Anti-lock brake discount
  • Anti-theft discount
  • Passive restraint discount (Airbags, motorized seat belts, etc.)
  • Emergency roadside assistance discount

Reliability and safety ratings for the Dodge Charger

According to US News and JD Power, the 2018 Dodge Charger’s overall safety rating is 8.9 out of 10. This grade is backed up by practically flawless IIHS scores in virtually every area and a National Highway Traffic Safety Administration 5-star safety rating.

US News and J.D. Power give the Charger two out of five stars for reliability, which is lower than the average for comparable vehicles in its class. Prior years appear to have had slightly higher ratings, but not considerably higher.

Dodge Charger service and maintenance

Despite its superior performance, the Charger is now the only four-door muscle vehicle on the market. It is a fantastic alternative for families or anybody who appreciates the ease of a sedan combined with the power of a muscle vehicle due to its design. Higher-end models may require more frequent maintenance if driven aggressively, but entry-level cars should be OK with routine oil changes and other suggested service appointments. What you may anticipate is as follows.

  • Dodge advises that all of their vehicles have their oil changed every 8,000 miles or six months, whichever occurs first.
  • Oil changes generally cost between $100 and $150, although the price may vary based on how frequently you drive your car and where it is repaired.
  • The Dodge Charger’s service schedule is described in the owner’s manual, which can be purchased from the manufacturer.

Is it worthwhile to get an extended warranty for the Dodge Charger?

A three-year/36,000-mile limited warranty and a five-year/60,000-mile powertrain warranty are included as standard on the Charger. For a five-year period, corrosion protection and roadside support are also included in the purchase price of new cars.

Dodge does not provide an extended warranty on the Charger, but Mopar does. There are terms available of up to eight years and 125,000 miles, which include parts, rental allowances, and other advantages.

These additional protection options may provide additional peace of mind when the first warranty period ends, given the Charger’s dependability rating of below average.

Are You a Good Fit For A Dodge Charger?

The Dodge Charger, which starts at little under $30,000, strikes a solid mix between practicality and muscle car performance.

While the base Charger SXT is capable of producing about 300 horsepower, a variety of variants and modifications are available that provide more than 700 horsepower.

Not only is each model powerful, but it also comes standard with an array of advanced safety and driver aid technologies, some of which may qualify for auto insurance reductions.

However, a variety of factors can affect the cost of insurance, which is why it’s critical to shop around for the best offer on the coverage you want at the lowest possible price.

Check out our rate review for Mercedes-Benz AMG GT.