Best Dodge Charger Car Insurance in 2024 (Compare the Top 10 Companies)
Our top providers of the best Dodge Charger car insurance are State Farm, Geico, and Progressive, offering rates starting at $68/month. These companies stand out for their competitive pricing, reliable customer service, and customizable coverage options, making them the best choices for Dodge Charger owners.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Aug 24, 2024
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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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17,757 reviews
Company Facts
Full Coverage for Dodge Charger
A.M. Best Rating
Complaint Level
Pros & Cons
17,757 reviews
19,116 reviews
Company Facts
Full Coverage for Dodge Charger
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
13,128 reviews
Company Facts
Full Coverage for Dodge Charger
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviews
The best Dodge Charger car insurance providers are State Farm, Geico, and Progressive, offering the most competitive rates starting at $68/month.
State Farm stands out as the top pick for its balance of affordability, comprehensive insurance coverage, and excellent customer service.
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 15% B Good Students State Farm
#2 17% A++ Online Tools Geico
#3 10% A+ Customizable Coverage Progressive
#4 12% A+ Accident Forgiveness Allstate
#5 10% A++ Customer Service USAA
#6 12% A Multiple Discount Liberty Mutual
#7 8% A++ Customer Support Travelers
#8 20% A+ Bundling Policies Nationwide
#9 10% A+ Customizable Policies Farmers
#10 15% A+ Customer Satisfaction Amica
This article explores how these companies compare, taking into account factors like safety ratings, driver demographics, and available discounts, to help you find the best coverage for your Dodge Charger. Enter your ZIP code now.
#1 – State Farm: Top Overall Pick
Pros
- Affordable Rates: State Farm offers competitive rates starting at $43/month, making it one of the best Dodge Charger car insurance options. With a 15% multi-policy discount, Charger owners can enjoy even greater savings by bundling their insurance.
- Strong Customer Service: Known for providing some of the best Dodge Charger car insurance customer service, ensuring a smooth and hassle-free claims process. Despite its B rating from A.M. Best, State Farm has a solid reputation for helping Charger owners effectively.
- Comprehensive Coverage: State Farm provides a wide range of coverage options, including liability, collision, and comprehensive, making it one of the best Dodge Charger car insurance providers. This variety allows Charger owners to tailor their policies to fit their specific needs. Read more through our State Farm car insurance review.
Cons
- Limited Discounts: State Farm offers fewer discounts compared to other best Dodge Charger car insurance providers, potentially limiting savings. The 15% multi-policy discount, while beneficial, may not be as competitive as other companies.
- Average Online Tools: The digital experience at State Farm may not match the standards of other best Dodge Charger car insurance companies. Charger owners who prefer managing their policies online might find State Farm’s tools less user-friendly.
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#2 – Geico: Best for Online Tools
Pros
- Low Premiums: Geico offers some of the lowest rates among the best Dodge Charger car insurance providers, especially for safe drivers. The 17% multi-policy discount enhances affordability, allowing Charger owners to significantly reduce their insurance costs, as written in our Geico car insurance review.
- Variety of Discounts: Geico’s extensive discount options, including safe driver and multi-policy discounts, make it one of the best Dodge Charger car insurance companies. These discounts allow Charger owners to save significantly, especially when multiple discounts apply.
- Quick Claims Process: Known for a fast and efficient claims process, Geico is recognized as one of the best Dodge Charger car insurance providers for hassle-free claims. The strong online tools ensure a streamlined experience for Charger drivers.
Cons
- Customer Service Variability: The quality of customer service at Geico can vary, which might not align with expectations for the best Dodge Charger car insurance. While highly rated overall, some Charger owners may experience inconsistent service.
- High Rates for High-Risk Drivers: Geico may charge significantly higher premiums for drivers with poor records, which can be a drawback for those seeking the best Dodge Charger car insurance. Charger owners with less-than-perfect driving histories might find Geico less competitive.
#3 – Progressive: Best for Customizable Coverage
Pros
- Customizable Coverage: Progressive offers highly customizable coverage options, making it one of the best Dodge Charger car insurance providers for tailored policies. Charger owners can adjust their coverage to meet their specific needs, backed by an A+ A.M. Best rating.
- Snapshot Program: Progressive’s usage-based insurance program, Snapshot, provides additional savings opportunities, positioning it as one of the best Dodge Charger car insurance options. This program rewards safe driving habits, appealing to responsible Charger drivers. Learn more through our Progressive car insurance review.
- Solid Reputation: Progressive is a well-established company with a strong industry presence, making it one of the best Dodge Charger car insurance providers. Its reputation for innovation in coverage options adds value for Charger owners seeking customized insurance.
Cons
- Higher Premiums for Younger Drivers: Teenage Charger owners may face higher premiums with Progressive, which could detract from its standing as the best Dodge Charger car insurance option for younger drivers. This could be a significant drawback for those already facing high insurance costs.
- Customer Service Complaints: Some customers report dissatisfaction with claim resolutions, which might affect Progressive’s ranking among the best Dodge Charger car insurance companies. Charger owners who prioritize top-tier customer service may want to consider this.
#4 – Allstate: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Allstate offers accident forgiveness, ensuring no rate increases after your first accident, making it one of the best Dodge Charger car insurance options for peace of mind. This feature, coupled with an A+ A.M. Best rating, provides added security for Charger owners.
- Comprehensive Coverage Choices: Allstate offers a range of add-ons, including rental reimbursement and roadside assistance, positioning it as a top choice for Dodge Charger car insurance. Charger owners can further customize their coverage with additional protections suited to their specific needs.
- Personalized Service: Thanks to a broad network of local representatives, Allstate delivers tailored support, making it one of the leading providers for Dodge Charger car insurance. The combination of a 12% multi-policy discount and individualized service simplifies insurance management for Charger owners.
Cons
- Increased Premiums: Allstate typically has higher base rates compared to other best Dodge Charger car insurance providers, which might be a disadvantage. Even with available discounts, Charger owners might find Allstate’s premiums on the higher side. Delve in through our Allstate car insurance review.
- Complex Policy Structure: Allstate’s policies can be more complex, requiring careful review to avoid hidden costs, which might not be ideal for those seeking straightforward best Dodge Charger car insurance. Charger owners preferring simplicity might find this a bit overwhelming.
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#5 – USAA: Best for Customer Service
Pros
- Excellent Customer Service: USAA is renowned for exceptional customer satisfaction and support, making it one of the best Dodge Charger car insurance providers. Its A++ A.M. Best rating further solidifies its reputation among Charger owners. Find our more details through our USAA car insurance review.
- Exclusive Military Benefits: USAA offers special benefits and discounts for military members and their families, ranking it among the best Dodge Charger car insurance options for those in the military community. The 10% multi-policy discount, along with exclusive perks, adds significant value.
- Extensive Coverage: USAA offers a wide choices of coverages and additional benefits, positioning it as one of the best Dodge Charger car insurance companies. Charger owners can access all the protections they need with USAA’s extensive offerings.
Cons
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Constraints in Eligibility: USAA is exclusively offered to military personnel only, which restricts its availability as a top choice for Dodge Charger insurance. This limitation can be a major disadvantage for Charger owners who are not affiliated with the military.
- Limited Local Offices: USAA has fewer physical branches compared to other best Dodge Charger car insurance providers, relying more on online and phone services. While USAA excels in customer service, some Charger owners might prefer more in-person interaction.
#6 – Liberty Mutual: Best for Multiple Discount
Pros
- Multiple Discounts: Liberty Mutual offers a variety of discounts, including for bundling policies and vehicle safety features, making it one of the best Dodge Charger car insurance providers. The 12% multi-policy discount, coupled with its A rating, enhances its appeal to Charger owners.
- New Car Replacement: Liberty Mutual provides a unique option to replace your Charger with a new one if it’s totaled within the first year, positioning it among the best Dodge Charger car insurance companies. This feature is particularly valuable for Charger owners who invest in new vehicles.
- Roadside Assistance: Liberty Mutual offers robust roadside assistance programs, ranking it as one of the best Dodge Charger car insurance providers. This is especially beneficial for Charger owners who value having help readily available in case of breakdowns.
Cons
- Higher Premiums for Custom Coverage: Customizing policies with Liberty Mutual can result in higher premiums, which might not align with the best Dodge Charger car insurance expectations. Charger owners opting for additional coverage options may find the rates less competitive.
- Mixed Customer Reviews: Liberty Mutual has varied customer service experiences, which could affect its standing as one of the best Dodge Charger car insurance providers. Charger owners might encounter inconsistent service depending on their location. See more details through our Liberty Mutual car insurance review.
#7 – Travelers: Best for Customer Support
Pros
- Good for Safe Drivers: Travelers offers substantial discounts for maintaining a clean driving record, ranking it among the best Dodge Charger car insurance options for safe drivers. Charger owners can benefit from Travelers’ focus on rewarding safe driving, even though the multi-policy discount is 8%.
- Bundling Discounts: Travelers provides significant savings when bundling auto with home insurance policies, positioning it as one of the best Dodge Charger car insurance companies. Charger owners can enjoy combined discounts that make insurance more affordable.
- Flexible Payment Plans: Travelers offers various payment plan options, including pay-as-you-go, making it one of the best Dodge Charger car insurance providers for financial flexibility. Charger owners can manage their premiums in a way that suits their budget. Find out more through our Travelers car insurance review,
Cons
- Limited Online Tools: Travelers may not offer the most advanced digital tools, which could be a drawback for those seeking the best Dodge Charger car insurance. Charger owners who prefer managing their insurance online might find Travelers’ platform less user-friendly.
- High Premiums for Young Drivers: Young Charger owners may find higher premiums with Travelers, which might detract from its standing as the best Dodge Charger car insurance option. This could be a significant consideration for younger drivers looking for affordable coverage.
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#8 – Nationwide: Best for Bundling Policies
Pros
- Vanishing Deductible: Nationwide offers a unique vanishing deductible program, making it one of the best Dodge Charger car insurance options for reducing out-of-pocket expenses. Charger owners can see their deductible decrease each year with safe driving. Read more through our Nationwide car insurance review.
- Strong Coverage Options: Nationwide provides a wide array of coverage choices, ranking it among the best Dodge Charger car insurance providers for comprehensive protection. Charger owners can customize their policies to include everything from collision to comprehensive and liability coverage.
- Accident Forgiveness: Nationwide’s accident forgiveness feature ensures no rate increases after the first at-fault accident, positioning it as one of the best Dodge Charger car insurance companies. This benefit is particularly appealing to Charger owners concerned about premium spikes.
Cons
- Limited Discount Options: Nationwide offers fewer discounts compared to other best Dodge Charger car insurance providers, which might limit savings. Charger owners looking for extensive discount options may find Nationwide less competitive.
- Mixed Customer Service Reviews: Some customers report inconsistent experiences with Nationwide’s customer service, which could be a drawback for those seeking the best Dodge Charger car insurance. Charger owners may want to consider this when evaluating their options.
#9 – Farmers: Best for Customizable Policies
Pros
- Comprehensive Coverage Plans: Farmers offers robust and customizable coverage plans, making it one of the best Dodge Charger car insurance providers. Charger owners can tailor their policies to meet their specific needs, ensuring they have the protection they require.
- High Deductible Discounts: Farmers provides discounts for opting for higher deductibles, positioning it as one of the best Dodge Charger car insurance options for those looking to lower their premiums. Charger owners willing to take on more risk can enjoy significant savings.
- Personalized Service: Farmers is known for its personalized customer service, ranking it among the best Dodge Charger car insurance companies for those who value one-on-one interactions. Charger owners can work directly with local agents to create the perfect policy. See more through our Farmers car insurance review.
Cons
- Higher Base Rates: Farmers tends to have higher base rates compared to other best Dodge Charger car insurance providers, which could be a drawback. Even with available discounts, Charger owners may find the premiums on the higher side.
- Limited Online Tools: Farmers’ digital tools and online services might not be as advanced as those offered by other best Dodge Charger car insurance providers. Charger owners who prefer managing their insurance online may find Farmers’ offerings less convenient.
#10 – Amica: Best for Customer Satisfaction
Pros
- Exceptional Customer Service: Amica consistently ranks high in customer satisfaction, making it one of the best car insurance options for Dodge Charger owners who prioritize service quality. Charger owners can expect prompt and efficient handling of claims.
- Comprehensive Coverage Options: Amica offers a wide range of customizable coverage options, making it one of the best Dodge Charger car insurance providers. Charger owners can tailor their policies to include everything from collision and comprehensive coverage to extras like rental reimbursement.
- Dividend Policies: Amica offers dividend policies that return a portion of the premium to policyholders, making it a financially attractive option for Dodge Charger insurance. Charger owners can benefit from this unique feature, which can reduce the overall cost of insurance.
Cons
- Higher Premiums: Amica’s top-tier service and comprehensive coverage options often come with higher premiums, which might be a downside for Charger owners seeking the most affordable rates. Compare rates of your Dodge Charger through our Amica vs. Nationwide car insurance review.
- Limited Availability of Local Agents: Amica operates primarily through phone and online channels, which may be less appealing to Dodge Charger owners who prefer face-to-face interactions with local agents.
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Safety Features for the Dodge Charger
The Dodge Charger is equipped with an array of advanced safety features designed to enhance the protection of both the driver and passengers. These features not only contribute to a safer driving experience but can also help you qualify for insurance discounts, as insurers often reward vehicles with robust safety systems.
The Dodge Charger includes driver and passenger airbags, front and rear head airbags, and front side airbags, ensuring comprehensive protection in the event of a collision.
Insurance Company Minimum Coverage Full Coverage
Allstate $77 $160
Amica $69 $142
Farmers $76 $155
Geico $73 $150
Liberty Mutual $80 $165
Nationwide $71 $148
Progressive $70 $148
State Farm $75 $155
Travelers $74 $152
USAA $68 $145
The 4-wheel ABS, along with 4-wheel disc brakes and brake assist, provides superior braking performance, while electronic stability control and traction control systems help maintain vehicle stability and prevent skidding.
Additional safety features such as daytime running lights, child safety locks, and a blind spot monitor further enhance the vehicle’s safety profile.
The Charger is also equipped with lane departure warning, lane keeping assist, and cross-traffic alert systems, which work together to prevent accidents by alerting the driver to potential hazards and assisting in maintaining the vehicle’s lane position.
With these safety features, opting for full coverage car insurance can provide comprehensive protection, ensuring both the vehicle and its occupants are well-covered in various situations, potentially lowering overall insurance costs due to the vehicle’s strong safety credentials.
Saving on Dodge Charger Insurance
When it comes to saving money on your Dodge Charger insurance, there are several effective strategies you can employ. First, consider removing young drivers from your policy when they move out or head off to school, as this can significantly reduce your premiums.
Another tactic is to request a new insurance rate if your credit score has improved, as a better credit score often translates to lower insurance costs. For parents, keeping a close watch on your teen driver’s habits can help ensure they maintain a safe driving record, which may lead to discounts.
For example, you could consider lowering or dropping comprehensive and collision coverage while maintaining liability insurance, which is legally required and protects you from financial loss if you’re at fault in an accident.
Ty Stewart
Licensed Insurance Agent
Additionally, if you have an older Dodge Charger, you might want to reduce your coverage, especially if the car’s value has depreciated over time.
Finally, it’s wise to re-check Dodge Charger insurance quotes every six months, as rates can fluctuate, and switching providers could offer substantial savings. By implementing these strategies, you can effectively lower your Dodge Charger insurance costs without sacrificing necessary coverage. Enter your ZIP code now to begin comparing.
Finance and Insurance Cost for Dodge Charger
When financing a Dodge Charger, it’s important to be aware that the overall cost may be higher if you choose to purchase insurance directly from the dealership. Dealerships often bundle insurance with the car purchase, which can lead to inflated premiums.
To ensure you get the best rate, it’s advisable to shop around and compare collision car insurance options from various providers. This allows you to find the most competitive rates tailored to your needs.
You can easily compare Dodge Charger car insurance quotes from top companies by using a free online tool, helping you secure the best possible deal for your vehicle.
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Lowering the Cost of Car Insurance
Lowering the cost of car insurance for a Dodge Charger or any other vehicle can be achieved through several strategic actions. One of the most straightforward methods is to ensure you’re taking full advantage of all eligible discounts.
Many insurers offer discounts for various reasons, such as being a member of certain groups, maintaining a good driving record, or bundling your home and car insurance with the same provider. Adjusting your coverage levels is another effective way to save.
Tim Bain
Licensed Insurance Agent
If your Charger is not financed, you might consider dropping collision and comprehensive coverage altogether, especially if the car’s value has depreciated to a point where the coverage cost exceeds the vehicle’s worth.
Additionally, some insurers offer discounts for paying your car insurance premium in full upfront, so it’s worth checking if your insurance company provides this option.
By carefully reviewing and adjusting your insurance policy, you can find multiple ways to lower your car insurance costs without sacrificing necessary coverage. Enter your ZIP code now to begin comparing.
Frequently Asked Questions
What factors affect Dodge Charger insurance cost?
Trim, model, driver age, location, driving record, and safety features.How can I find cheap Dodge Charger insurance rates?
How can I find cheap Dodge Charger insurance rates?
Compare quotes, consider higher deductibles, and look for discounts. Enter your ZIP code now to begin comparing.
What are the car insurance requirements for a Dodge Charger?
Liability, collision, comprehensive, and uninsured/underinsured motorist coverage.
What is the multi-policy discount percentage offered by State Farm for Dodge Charger car insurance?
State Farm offers a 15% multi-policy discount for Dodge Charger car insurance. This discount can help Charger owners save by bundling their car insurance with other policies.
Which company is ranked #2 for Dodge Charger car insurance and is known for its online tools?
Geico is ranked #2 for Dodge Charger car insurance and is well-regarded for its user-friendly online tools.
These tools make it easy for Charger owners to manage their policies and file claims online. Enter your ZIP code now to begin comparing.
How does Progressive stand out in terms of coverage for Dodge Charger owners?
Progressive stands out by offering highly customizable coverage options for Dodge Charger owners.
This allows Charger drivers to tailor their policies to their specific needs, ensuring they have the right level of protection.
Additionally, Progressive’s user-friendly tools for getting competitive quotes for car insurance make it easier for Charger owners to compare options and find the best rates.
Which insurance provider offers the best customer service for Dodge Charger car insurance?
USAA is known for providing the best customer service for Dodge Charger car insurance. Charger owners who qualify for USAA can expect top-tier support, especially during claims processing.
What unique feature does Allstate provide that benefits Dodge Charger drivers after an accident?
Allstate offers accident forgiveness as a unique feature for Dodge Charger drivers.
This benefit ensures that Charger owners won’t see a rate increase after their first at-fault accident. Enter your ZIP code now to begin comparing.
Which company offers a 20% multi-policy discount, making it a top choice for bundling policies with Dodge Charger insurance?
Nationwide provides a 20% multi-policy discount, making it a top choice for Dodge Charger owners looking to bundle their insurance policies. This discount is the highest among the listed providers, offering significant savings.
When comparing commercial car insurance options, this discount can also benefit businesses that need to insure multiple vehicles, enhancing the overall value of Nationwide’s offerings.
Why might Amica’s higher premiums be a concern for Dodge Charger owners?
Amica is known for high customer satisfaction but also tends to have higher premiums, which might be a concern for Dodge Charger owners. Despite the higher cost, Charger drivers who prioritize service quality might still prefer Amica.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.