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Insuring your Dodge Charger in five states

The Dodge Charger was launched in 1960s. Over the years, the car has received several makeovers – the engine has become more powerful, the exteriors as well as the interiors were worked on. The present Dodge Charger, which was introduced to the U.S. market in 2006, is a four-door sedan.

When you are buying a used Charger, you have to also consider the cost of the first year of insurance, which can be steep in certain areas. The cost of insuring the Charger depends on factors such as the auto insurance laws of the state, the density of population, and the number of accidents in the state.

The table below shows the median price of the Charger in five states, its annual insurance average and its insurance percentage, i.e., the percentage of the median price spent on insurance.

State Insurance Average ($) Median Price ($) Insurance Percentage (%) Estimated total cost of purchase including the cost of insurance for a year ($)
Maine 1,045 20,577 5 21,622
New Hampshire 1,338 19,991 6 21,329
Massachusetts 1,643 15,988 10 17,631
Connecticut 2,087 18,990 10 21,077
New York 1,449 19,777 7 21,226

The table makes it clear that insuring the Charger is the most expensive in Connecticut, where the annual average insurance rate is above $2,000. However, this does not mean that it is the most expensive in Connecticut. If you consider both the median price and the insurance costs, the Charger is surprisingly the most expensive in Maine.

The Charger is the cheapest in Massachusetts, where the median price of the car is $15,988. Even if you consider the total cost of purchase including insurance costs, Massachusetts tops the list being the only state where the Charger is available for less than $18,000.

If you live in Maine, New Hampshire, or New York, you might want to consider buying the Charger from Massachusetts and getting it shipped back home. You could end up saving thousands of dollars on your upfront costs.

Average Yearly Insurance Premium $1,730
Dodge Charger MSRP $31,700
Estimated Monthly Income to Afford a Dodge Charger Car including Insurance $590

Dodge Charger - Average Insurance Price by Segment

Male $2,970
Male Married $2,220
Female $1,540
Female Married $1,410
Teenage Boy $5,570
Teenage Girl $3,890

Dodge Charger Safety Features - 2013

Side airbags: front and rear head curtain airbags and front seat-mounted torso airbags Driver knee airbag: a separate airbag in the lower instrument panel designed to minimize knee injuries in frontal crashes Electronic stability control Antilock brakes Programmable daytime running lights

Expensive States for Insuring Dodge Charger

RankStateAverage Insurance of Dodge ChargerMSRPEstimated Monthly Income to Afford a Dodge Charger including Insurance Cost
1 Michigan $2,900 $34,400 $660
2 Louisiana $2,900 $31,100 $600
3 Georgia $2,600 $28,000 $540
4 Oklahoma $2,500 $24,000 $470
5 California $2,300 $31,300 $600
6 Montana $2,200 $35,900 $680
7 New Jersey $2,100 $37,600 $700
8 Utah $2,000 $30,000 $570
9 Rhode Island $2,000 $39,700 $740
10 Kentucky $2,000 $34,300 $640

Cheap States for Insuring Dodge Charger

RankStateAverage Insurance of Dodge ChargerMSRPEstimated Monthly Income to Afford a Dodge Charger including Insurance Cost
1 Maine $1,000 $36,500 $660
2 Iowa $1,200 $31,400 $580
3 Ohio $1,200 $32,800 $600
4 Idaho $1,300 $30,300 $560
5 Indiana $1,300 $34,400 $630
6 North Carolina $1,300 $30,800 $570
7 New Hampshire $1,300 $31,100 $570
8 Arizona $1,400 $32,600 $600
9 Colorado $1,400 $35,700 $660
10 Illinois $1,400 $28,900 $540

Dodge Charger - Remaining States under Study

RankStateAverage Insurance of Dodge ChargerMSRPEstimated Monthly Income to Afford of Dodge Charger including Insurance Cost
1 South Carolina $1,400 $30,300 $560
2 Vermont $1,400 $31,100 $580
3 Washington $1,400 $28,600 $530
4 Wisconsin $1,400 $33,700 $620
5 Florida $1,500 $30,000 $560
6 Mississippi $1,500 $31,100 $580
7 New Mexico $1,500 $31,100 $580
8 Nevada $1,500 $31,900 $590
9 New York $1,500 $31,600 $590
10 Virginia $1,500 $31,100 $580
11 Alaska $1,600 $32,600 $610
12 Minnesota $1,600 $33,100 $610
13 Nebraska $1,600 $31,100 $580
14 Tennessee $1,600 $30,200 $560
15 Delaware $1,700 $31,600 $590
16 Kansas $1,700 $31,100 $580
17 Oregon $1,700 $28,500 $540
18 Arkansas $1,800 $30,700 $580
19 Massachusetts $1,800 $30,400 $570
20 North Dakota $1,800 $28,600 $540
21 Pennsylvania $1,800 $27,300 $520
22 Texas $1,800 $29,700 $560
23 Alabama $1,900 $28,900 $550
24 Hawaii $1,900 $33,300 $620
25 Maryland $1,900 $31,100 $580
26 Missouri $1,900 $34,200 $640
27 West Virginia $1,900 $36,500 $680
28 Wyoming $1,900 $26,700 $510
29 Connecticut $2,000 $36,600 $680

Dodge Charger Models Comparison

Model Style Cylinders MSRP Average Premium of Dodge Charger models Est. Monthly Income to Afford a Dodge Charger including Insurance Cost
Charger R/T 4 Door Sedan 8 cyl. $31,700 $1,590 $590
Charger SE 4 Door Sedan 6 cyl. $31,700 $1,650 $590
Charger SRT8 4 Door Sedan 8 cyl. $31,700 $2,100 $600
Charger SXT 4 Door Sedan 6 cyl. $31,700 $1,580 $590

Dodge Charger vs Large Sedan Insurance Comparision