Is a Dodge Charger considered a sports car for insurance?

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jan 30, 2022

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Key Takeaways

  • A Dodge Charger is a sports car, according to the automaker
  • Car insurance companies also consider the Dodge Charger a sports car, based on its speed and expensive parts
  • You can lower your Dodge car Insurance rates in at least two ways

Is a Dodge Charger a sports car for car insurance purposes, or is a Dodge Charger a sedan? Is the Dodge Charger a luxury car, or is the Dodge Charger a muscle car? These are excellent questions.

Depending on who you ask, this type of model can be all these things, and its status will affect your car insurance rates.

The Dodge Charger being considered a sports car is somewhat controversial among car enthusiasts. However, your car insurance company may categorize this model as a sports car due to its engine and overall power.

The Charger also contains parts for luxury and infotainment. These parts are expensive to replace. Thus, you won’t obtain cheap car insurance rates for this model.

Read on to learn more about why the Charger is a sports car for car insurance purposes and what you can do to lower your rates with this model. But if you want to view rates from top car insurance companies in your area right now, enter your ZIP code into our free quote tool above.

Can you call a Dodge Charger a Sports Car by general standards?

Specifically, is a Dodge Charger SXT a sports car? In short, yes it is, based on a few factors. And one characteristic is the fact that Dodge categorizes the Charger as a sports car.

However, if you ask many experts, it might be difficult to define what comprises a sports car. Still, they may compare current car models — like the Dodge Charger — to sports cars from the early to mid 20th century.

One Expert’s Opinion

At the J.D. Power website, Dustin Hawley noted that many car manufacturers have blurred the lines between a sports car and what one would call a “daily driver.” And it was difficult for him to define what comprises a sports car, but he listed some improvements that British carmakers made from the 1920s to the 1960s.

British sports cars had these characteristics from the period in question:

  • A lower center of gravity to enable sharper cornering
  • Experimental shock absorption designs
  • Adjusted track width
  • Improved weight distribution
  • Increased brake drum diameters
  • Aluminum panels instead of steel body panels
  • Improved stock engine performance (with more carburetors)

Additionally, similar to the first sports cars from that period, all of these British sports cars were two-seaters.

The Dodge Charger is a sedan because it has four doors and can seat five people. However, the model does have some characteristics of a sports car in terms of its engine and overall power.

What You Can Find in a Dodge Charger

The 2022 Dodge Charger is available in seven trims, and they all share these power and performance specifications:

  • Eight-speed automatic transmission
  • Sequential steering control with steering wheel controls
  • Short and long arm front suspension
  • Multi-link rear suspension
  • Electric power assist
  • Rack and pinion steering
  • Four-wheel disc brakes

And here are the differences among the trims:

2022 Dodge Charger Power and Performance Specifications

TrimSXT (RWD/AWD)GT (RWD/AWD)RTScat PackScat Pack WidebodySRT Hellcat Redeye WidebodyJailbreak
Engine Liters (L)
Cylinder ConfigurationV-6V-6V-8V-8V-8V-8V-8
CompressorNoneNoneNoneNoneNoneIntercooled superchargerIntercooled supercharger
Horsepower (hp)292 @ 6,350 RPM/300 @ 6,350 RPM300 @ 6,350 RPM370 @ 5,250 RPM485 @ 6,100 RPM485 @ 6,100 RPM797 @ 6,300 RPM797 @ 6,300 RPM
Torque (lb.-ft.)260 @ 4,800 RPM/264 @ 4,800 RPM264 @ 4,800 RPM395 @ 4,200 RPM475 @ 4,100 RPM475 @ 4,100 RPM707 @ 4,500 RPM707 @ 4,500 RPM
Curb Weight (lbs.)3,964/4,2054,073/4,2054,2914,3854,3854,5864,586
Gross Vehicle Weight Rating (GVWR, in lbs.)5,100/5,3505,100/5,3505,3005,4505,4505,5005,500
Exterior Length (Inches)198.4198.4198.4200.8201201201
Exterior Body Width (in.)7575757578.378.378.3
Exterior Body Height (in.)57.8/58.557.8/58.557.857.857.857.657.6
Wheelbase (in.)120120120120120120120
Front Track (in.)63.4/63.363.4/63.363.46465.665.665.6
Rear Track (in.)63.8/63.463.8/63.463.863.7165.365.365.3
Turning Radius (in.)18.8/19.418.8/19.418.818.719.519.519.5
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Based on the engine types alone, you can see that each trim has more power than most sedans.

Why is a Dodge Charger a sports car for car insurance companies?

Specifically, what standards do car insurance companies use to determine what comprises a sports car? Insurance companies consider engine power and the price of a vehicle’s parts.

Since the Dodge Charger comes with either a V-6 or a V-8 engine, it has tremendous power, and many people behind the wheel may want to test its speed. That presents a level of risk for accidents and traffic tickets.

Also, the Dodge Charger does come with many expensive parts, not including the infotainment features.

In short, a vehicle that can reach illegal street speeds and contains many expensive parts is costly to insure. Therefore, you will pay higher insurance rates with a Dodge Charger.

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How much does it cost to insure a Dodge Charger?

Here are some average car insurance rates for a Dodge Charger from top companies, based on a full coverage policy:

Dodge Charger Car Insurance Rates

CompanyAnnual Full Coverage Rates
21st Century$2,192.15
American Family$2,249.88
American Modern$2,279.91
Amica Mutual$1,972.94
Auto-Owners Insurance$2,221.41
Liberty Mutual$2,211.20
Mercury Insurance$1,842.71
State Farm$1,979.56
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As you can see, you can expect to pay over $2,000 a year — or close to it — for car insurance if you have a Dodge Charger.

How can you lower your Dodge Charger car insurance rates?

There are generally two ways to lower your car insurance rates if you cover a Dodge Charger. First, maintain a good driving record. Second, look for car insurance discounts.

Here are some discounts that you may earn for good driving:

  • Safe driving discount
  • Diminishing deductible
  • Defensive driving discount (for attending an approved driving course)
  • Good student discount (for receiving good grades and a safe driving record)

Is the Dodge Charger a good car for other discounts? You may also save on your car insurance if your vehicle has pre-installed safety and anti-theft equipment:

  • All Dodge Charger trims have multiple air bags (driver front-impact, passenger front-impact, driver side-impact, passenger side-impact, and overhead).
  • The SRT Hellcat and Jailbreak trims offer a blind spot warning system.
  • All trims have rear parking sensors and a panic alarm.
  • The Scat Pack, Scat Pack Widebody, SRT Hellcat, and Jailbreak offer a security system.
  • All trims offer an immobilizer.

While you may not lower your Dodge Charger car insurance rates to those of a regular sedan, you can make your rates manageable with these discounts.

The Dodge Charger’s Status: The Bottom Line

As you can see — by general standards — it is difficult to answer the question, “Is the Dodge Charger a sports car?”  However, many car insurance companies will categorize the Dodge Charger as a sports car based on its speed and overall risk.

To lower your car insurance costs, obey traffic laws and search for discounts. Also, find out more about what determines the price of car insurance.

Now that you know that a Dodge Charger is a sports car for car insurance purposes, are you looking for a good car insurance company to cover your vehicle? You can continue your search by entering your ZIP code into our free quote tool below to view rates from top companies in your area.

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