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First and second-generation Chargers, including the 1969 R/T Daytona, are almost always insured on classic or agreed value policies because of rarity and collector value.

Current four-door Chargers with Hemi V8 engines sit in higher UK insurance groups because of power, value and theft risk.

The supercharged 707 horsepower Hellcat, 797 horsepower Redeye and 808 horsepower Super Stock are insured as supercars. Cover is arranged through performance panels.

1969 General Lee Chargers and fan replicas are specialist vehicles, usually insured with agreed value cover and limited mileage.

US-spec Chargers are left-hand drive. Some mainstream UK insurers will not quote LHD vehicles, so specialist import panels handle most Charger policies.

R/T, Scat Pack 392 and Widebody variants sit between standard Chargers and Hellcats on both performance and premium. Declare trim level accurately when quoting.

The legal minimum under the Road Traffic Act. Covers injury and damage caused to other people and their property, but not damage to your own Dodge Charger.

Adds protection if your Dodge Charger is stolen or damaged by fire. Premiums usually sit lower than fully comprehensive cover.

Covers damage to your own car as well as third-party liability. Specialist import panels usually start with comprehensive because of the vehicle’s value.

You and the insurer agree the Dodge Charger’s value up front, supported by photos, receipts and often a professional valuation. Useful for classic and restored examples where market value rarely reflects the work put in.

US-spec lighting, exhaust changes, wheel upgrades, ECU tuning and bodywork mods all need to be declared. Specialist insurers will usually cover them once declared.

Specialist import panels accept LHD as standard. Many policies can be extended for trips to the Continent, so you can take your Dodge Charger to shows and rallies in Europe.

Classic 1966-78 B-body Chargers and modern 2006-present LX Chargers rate differently. Classic R/Ts and 1969 Daytonas attract collector rates; modern Hellcats sit in supercar tier.

Base 3.6 V6 Chargers sit lowest. R/T with 5.7 Hemi is mid-tier. Scat Pack 392, Hellcat, Redeye and Super Stock climb steeply in premium.

Hellcat 717 hp, Redeye 797 hp, Super Stock 807 hp and Jailbreak are rated as supercars by most specialist insurers. Widebody versions add extra cost.

1966-78 Chargers, particularly 1969 and 1970 R/T and Daytonas, nearly always need agreed value cover. Market value rarely reflects restoration investment.

Every US Charger is LHD. Specialist import panels accept it; many mainstream insurers decline.

Engine upgrades, supercharger kits, period-correct restoration and performance cams all need declaration. Undeclared mods can void cover.

Classic and performance Charger panels usually set a minimum age of 25 with two years of full UK licence. Younger drivers face higher premiums.

Photos, restoration receipts, provenance and a professional valuation all support a sensible figure without over-insuring.

Show, weekend and occasional-use Chargers qualify for limited-mileage policies with meaningful discounts.

Locked garage with alarm and tracker is the strongest signal to Charger insurers. Mustang-tier theft risk means it matters.

Supercharger tuning, cam changes, intake upgrades, wheel swaps and paint protection film all need declaring. Straight honesty protects cover.

UK Mopar Owners’ Club and similar enthusiast groups unlock insurer discounts with specialist Mopar panels.

Sensible voluntary excess you can pay if needed alongside the compulsory excess.

Most specialist classic insurers offer laid-up cover that drops the premium materially while the Charger is off the road through winter. Theft and fire cover continue while on-road use is paused. Useful for 1968-70 R/T and Daytona owners.

First-generation B-body fastback. Big-block 426 Hemi cars are among the most valuable. Agreed value almost always applies. See our classic American car insurance page.

The muscle car era. 1968-70 R/T, 1969 Charger 500 and 1969 Daytona are peak collector territory. Professional valuations and specialist classic panels are the norm.

Third-generation B-body with softer styling. Cheaper to insure than the 1968-70 era but still classic-policy territory.

5.7 Hemi V8. Mid-tier premium on the LX platform. The everyday enthusiast Charger.

6.4 Hemi (392 cu in) with 485 hp. Widebody adds wider fenders and handling tweaks. Rated above R/T but below Hellcat.

Supercharged 6.2 Hemi producing 717 to 807 hp. Rated as supercars. Jailbreak and Hellcat Widebody variants near the top of the insurance ladder.

1969 Charger R/T tribute cars inspired by Dukes of Hazzard. Welded doors, roll cages, custom paint. All modifications must be declared; agreed value is standard.