Thomas Hunter, 58, of Mansfield Road, Mansfield, was arrested after the crash on the A34 at Hinksey Hill, Oxford, on 25 August.
Isla Wiggin, who was in another car, died in hospital on 27 August.
Mr Hunter has also been charged with causing serious injury to a 31-year-old woman by dangerous driving.
He has been released on bail to appear at Oxford Magistrates' Court on 17 January.
A lorry and seven cars were involved in the accident which closed the northbound carriageway for almost 10 hours.
A family statement said Isla, from Fleet in Hampshire, was "a loving and caring" daughter who "would have made an amazing big sister".

Kirklees Council said the plan was to "target properties with poor thermal efficiency and households at risk of fuel poverty".
The solar panels will be installed on 50 homes this year, 1,000 next year and 950 in 2016/2017.
Councillor Cathy Scott said the authority expected the panels to reduce household bills by £100 each year.
"A reduction in fuel poverty is the key driver for the project rather than maximising income and the intention would be to target properties with poor thermal efficiency," she said.
The council hoped the project would be self-financing with "a future feed in tariff income of £14m overall based on the electricity generated".
It also expects 50% of the electricity generated by the solar panels to be used by tenants.
A man has been charged with causing the death of a three-year-old girl by dangerous driving in a crash involving eight vehicles.
[NEXT_CONCEPT]
A £9.2m scheme for 2,000 solar panels to be installed on council houses in Kirklees has been given the go ahead.