Insurance providers anticipate that in 2021, a Dodge Charger car insurance cost of $212.10 per month or $2,545.17 per year will be the average monthly premium. When it comes to your real expenses, however, many factors come into play, such as your driving history, automobile model and geographic location to name a few.
- How do we calculate the price of a vehicle insurance Dodge Charger?
- If you know how, it’s easy to compare Dodge Charger insurance costs.
- What factors affect the cost of Dodge Charger auto insurance?
- Which Dodge Charger safety features are the most cost-beneficial?
- Dodge Charger reliability and safety ratings
- Service and maintenance for Dodge Charger
- Is an extended warranty for the Dodge Charger worth it?
- Are You A Dodge Charger Match?
How do we calculate the price of a vehicle insurance Dodge Charger?
According to our calculations, a 30-year-old California driver with a spotless driving record has a decent chance of winning the lottery and obtaining inexpensive auto insurance. California is one of just seven states that do not discriminate against drivers based on their gender.
Additionally, we chose comprehensive auto insurance with larger liability limits than the California state minimum requirements, which include the following provisions:
- 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
If you know how, it’s easy to compare Dodge Charger insurance costs.
Shopping for auto insurance may be a stressful process due to high prices, complex business jargon, and, let’s face it, no one like paying for something they are unlikely to use. Even worse, almost every state requires health insurance, thus exacerbating the problem. Despite the fact that insurance is a must, you may shop around for a cheaper cost. Consider the following factors before making a choice.
- Price. It is important that you request estimates from many service providers using the same information. Comparing comparable coverage enables you to obtain the best bargain available.
- Deductible. Pick a deductible that fits your financial situation; however, keep in mind that the amount you choose will also affect your monthly rates.
- Minimum coverage. Except for New Hampshire and Virginia, every state requires health insurance coverage at a bare minimum. Prior to purchasing insurance, determine whether or not the state’s minimum criteria have been met.
- Additional coverage. There are numerous options for improving your insurance coverage, including personal injury protection and medical costs coverage. Identify available alternatives and ensure that they are mentioned in any vendor quotations you get.
- Extras. Before acquiring a policy, it’s critical to understand what’s included and what you’ll need to pay individually, as each one offers a unique set of benefits.
- Restrictions. Depending on the source, coverage may be limited. Determine which of these apply to you in order to avoid future coverage gaps or claim denials.
- Manufacturer offer or loyalty discount. Manufacturer rebates and customer loyalty programs may help you save money on your vehicle insurance. Determine whether Dodge is participating in any collaborations that might result in the development of unique offers.
- Warranty. Determine what is covered by your manufacturer or extended warranty provider in order to avoid paying twice for the same protection.
What factors affect the cost of Dodge Charger auto insurance?
Your automobile insurance costs are significantly influenced by your claim history and the cost of settling such claims entirely. Due to the considerable differences in vehicle performance, theft rates, safety features, and other attributes across brands and models, insurance companies base their premiums on the vehicle you pick.
- Body type. This four-door sedan is performance-oriented, but also equipped with sophisticated safety systems, making it an excellent second car for families. This has the potential to result in insurance sector cost reductions.
- Type of car. The Dodge Charger, which is classified as a muscle car, is a high-performance vehicle. Insurance may be more expensive as a result of the potential of high-speed driving.
- Theft. The Charger has a high theft rate when compared to other vehicles, which may result in increased insurance costs.
- Repairs. Dodge Charger damage is a relatively inexpensive repair, costing an average of $625 each year. While this cost will almost certainly be higher for more costly models, the savings in repair costs may result in insurance savings.
- Safety ratings. The Dodge Charger has outstanding safety ratings in virtually every category, which may result in insurance savings.
- Fuel type. The Charger is a gasoline-powered vehicle, which often costs less to insure than diesel or hybrid vehicles.
- Trim & packages. If you opt to alter your car in a way that significantly increases its performance or value, your insurance premiums may increase significantly. Measures aimed at increasing safety or visibility, on the other hand, may have the opposite effect.
Which Dodge Charger safety features are the most cost-beneficial?
You may qualify for a vehicle insurance discount if your Dodge Charger is equipped with the following safety features.
- Anti-lock brake discount
- Anti-theft discount
- Passive restraint discount (Airbags, motorized seat belts, etc.)
- Emergency roadside assistance discount
Dodge Charger reliability and safety ratings
According to US News and JD Power, the 2018 Dodge Charger earns an 8.9 out of 10 for overall safety. This grade is backed up by nearly perfect IIHS ratings in virtually every category and a 5-star safety record from the National Highway Traffic Safety Administration.
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’ scores appear to have been slightly higher, but not much higher.
Service and maintenance for Dodge Charger
Because of its superior performance, the Charger has become the only four-door muscle vehicle on the market. Due to its shape, it is an ideal alternative for families or anybody who appreciates the ease of a sedan combined with the muscle car’s strength. While higher-priced models may require more frequent maintenance if driven aggressively, entry-level vehicles should be OK with routine oil changes and other suggested service appointments.
As you may imagine, the following occurs.
- Dodge recommends changing the oil in all of their cars every 8,000 miles or six months, whichever comes first.
- Oil changes cost between $100 and $150 on average, however the price may vary depending on how frequently you drive your car and where it is fixed.
- The service schedule for the Dodge Charger is detailed in the owner’s handbook, which can be obtained directly from the manufacturer.
Is an extended warranty for the Dodge Charger worth it?
The Charger comes standard with a three-year/36,000-mile limited warranty and a five-year/60,000-mile powertrain warranty. Corrosion protection and roadside assistance are also included in the purchase price of new automobiles for a five-year term.
Dodge does not provide a warranty extension on the Charger, but Mopar does. Terms of up to eight years and 125,000 miles are offered, which include parts, rental allowances, and other benefits.
These additional protection choices may provide more piece of mind when the first warranty period expires, considering the Charger’s below-average reliability rating.
Are You A Dodge Charger Match?
The Dodge Charger, with a starting price of just less than $30,000, finds an excellent balance of practicality and muscle car performance.
While the standard Charger SXT produces around 300 horsepower, a number of variations and upgrades offer upwards of 700 horsepower.
Not only is each model powerful, but it also has a slew of modern safety and driver assistance features, some of which may qualify for auto insurance discounts.
However, a variety of factors may impact insurance costs, which is why it’s essential to shop around for the best deal on the coverage you want at the lowest possible price.
Check out our review of Dodge Insurance Rates.