Dodge Charger Insurance
(Finding the right coverage for your Charger)
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The Dodge Charger has been around in one form or another since 1966, and for many car enthusiasts it’s an American muscle car icon that belongs in the same class as the Ford Mustang.
Whether it’s Vin Diesel racing a 1970 Charger R/T in the original “Fast and Furious” or the Duke boys jumping a creek in the General Lee, the Charger has won American hearts and had its fair share of screen time.
The General Lee Charger was so popular that it ranks as the 14th most expensive movie prop ever, selling for $450,000 to a lucky collector.
The Charger has always been a muscle car known for its big engine and high performance. Unfortunately, that reputation comes at a price when insurance is involved, especially since thieves have taken a real shine to the latest version of the Charger.
While insurance for the Charger can be reasonable for some models, if you are looking at the top of the line SRT Hellcat, which is equipped with a supercharged HEMI® Hellcat V8 engine that cranks out 707 horsepower, expect your premium to be sky-high.
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If you are thinking about getting behind the steering wheel of a Dodge Charger in the near future, keep reading to learn what you need to know about insuring your new ride.
Is the Dodge Charger Safe to Drive?
Despite its muscle car background, the Dodge Charger is considered a very safe vehicle. The 2016 Charger earned a five-star safety rating from the National Highway Traffic Safety Administration (NHTSA), which is their highest rating.
Keep in mind that these ratings do not apply to the 2016 Dodge Charger SRT high-performance model, which has not been rated by the NHTSA, but they do apply to the other trim levels, both rear-wheel drive and all-wheel drive.
The Insurance Institute for Highway Safety backed up these findings, giving the Charger its highest rating of “Good” in four out of its five crashworthiness tests.
The Charger only got a “Marginal” score in the small overlap front test. This test replicates what happens when the front corner of a vehicle collides with another vehicle or a stationary object, such as a utility pole or a tree.
The Charger includes some fairly impressive standard safety equipment and some great optional equipment. Anti-lock brakes, traction control, brake assist, electronic stability control, and seven airbags come standard.
Optional safety equipment such as blind-spot monitoring with rear cross-path detection and forward collision warning are available as part of a technology package on certain trim levels.
Auto Theft and the Dodge Charger
There is no arguing that the latest Chargers are real beauties and high performers out on the road, making them a common target of theft.
According to data from the National Insurance Crime Bureau (NICB), the Charger has always been a hot ticket item for professional car thieves. Since 1981, the first year that the NCIB has reliable data, roughly 1,300 Chargers have been stolen every year. This number has been climbing steadily since the Charger was brought back to the market in 2006.
In 2014, the Charger was number six on the top ten list of stolen vehicles, with 3,500 of the muscle cars gone missing. This was the highest number of Charger thefts ever seen in a single year, with 2011 coming in second with 2,967 thefts.
Unfortunately, high theft rates impact your Charger’s insurance premiums. Insurers look at a variety of factors when determining your premium, and the Dodge Charger checks a number of boxes that lead to a higher rate.
High-powered muscle cars are always a red flag for insurance companies. Combine that with a high theft rate and you have a recipe for expensive insurance.
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How to Find the Right Dodge Charger Insurance
There is no doubt that you will pay more to insure your Charger than a more pedestrian vehicle like a Honda Accord. The Charger’s big engine and high theft rates make it a risky proposition for insurance companies, and they expect to be paid more to assume that liability.
An independent agent can help you find a great policy at an affordable price by scouring the insurance market for the best quotes on your behalf. These local agents have the experience to tailor your auto insurance policy to your specific circumstances.
Contact an agent now to find the right Dodge Charger insurance coverage.