2006 Dodge Charger Insurance Rates
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UPDATED: Nov 23, 2017
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Average insurance rates for a 2006 Dodge Charger are $1,216 a year including full coverage. Comprehensive costs around $186 a year, collision insurance costs $238, and liability coverage costs $592. Buying a liability-only policy costs as little as $652 a year, and high-risk insurance costs around $2,612. Teen drivers receive the highest rates at up to $4,944 a year.
Annual premium for full coverage: $1,216
Rate estimates for 2006 Dodge Charger Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2006 Dodge Charger models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For the average driver, prices range range from as low as $652 for the bare minimum liability coverage to a high of $2,612 for a driver that may need high-risk insurance.
These differences highlight why it is important for drivers to compare rates for a specific zip code and risk profile, rather than using price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2006 Dodge Charger Insurance
Searching for lower car insurance rates for your Dodge Charger? Locating low-cost insurance for a new or used Dodge Charger can normally be a lot of work, but you can learn these tips and make it easy. There are both good and bad ways to buy car insurance so you’re going to learn the proper way to compare rates for a Dodge and locate the cheapest rates either online or from local insurance agents.
Vehicle Insurance Comparison
Performing a rate comparison can take time and effort if you don’t utilize the fastest way to get free quotes. You could spend the better part of a day talking to insurance companies in your area, or you can stay home and use the internet to get rates in a matter of minutes.
Most of the best insurance companies are enrolled in a marketplace where insurance shoppers submit their information once, and each company then gives them pricing determined by their information. This saves time by eliminating quotation requests to each individual auto insurance company.
To compare pricing click here to start a free quote.
The only drawback to comparing rates this way is you can’t choose the providers you want to price. If you wish to select from a list of companies to compare rates, we put together a list of companies who write auto insurance in your area. View list of insurance companies.
It doesn’t matter which method you choose, just ensure you’re using identical coverage information with every price quote. If you compare different limits and deductibles on each one then you won’t be able to determine which rate is truly the best.
Cut your premium with discounts
Companies that sell car insurance don’t always publicize all their discounts very clearly, so the following is a list of some of the more common as well as the least known savings tricks you should be using. If you’re not getting every credit available, you’re paying more than you need to.
- Federal Employees – Employees or retirees of the government may qualify you for a discount on Charger coverage depending on your company.
- Bundle and Save – If you insure your home and vehicles with the same insurance company you will save at least 10% off all policies.
- Use Seat Belts – Drivers who require all occupants to use a seat belt could cut 10% or more off your PIP or medical payments premium.
- Accident Forgiveness – A handful of insurance companies permit an accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
- Anti-lock Brake Discount – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
- Save over 55 – Mature drivers can possibly qualify for a small decrease in premiums on Charger coverage.
- Resident Student – Kids in college who are attending college and do not have access to a covered vehicle may qualify for this discount.
It’s important to understand that most credits do not apply to all coverage premiums. Some only apply to individual premiums such as comprehensive or collision. Just because it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.
Car insurance companies who might offer these discounts are:
Double check with every prospective company what discounts are available to you. Savings might not apply in your area.
What is the best insurance coverage?
When buying proper insurance coverage, there really is not a “perfect” insurance plan. Every situation is different.
Here are some questions about coverages that may help you determine whether you might need an agent’s assistance.
- Can I get a multi-policy discount for packaging my home and auto coverage?
- Does my policy pay for OEM or aftermarket parts?
- Am I covered when driving someone else’s vehicle?
- Should I bundle my homeowners policy with my auto?
- Am I covered if I break a side mirror?
- Is business equipment covered while in my vehicle?
- What is medical payments coverage?
If you can’t answer these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.
Auto insurance coverage information
Learning about specific coverages of insurance can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.
Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things like vandalism, fire damage, rock chips in glass and hitting a deer. The highest amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Auto collision coverage
This coverage pays for damage to your Charger from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as crashing into a ditch, scraping a guard rail, colliding with another moving vehicle and backing into a parked car. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.
Medical payments coverage and PIP
Coverage for medical payments and/or PIP kick in for bills such as pain medications, chiropractic care and doctor visits. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible
Liability insurance can cover damages or injuries you inflict on people or other property that is your fault. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.
Liability can pay for things such as court costs, bail bonds and structural damage. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.
Uninsured/Underinsured Motorist coverage
Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.
Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.
Rates by U.S. City
|New York City, NY||$1,914|
|Los Angeles, CA||$2,073|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$72|
|5-yr Claim Free||$76|
|Paid in Full/EFT||$42|
Discounts are estimated and may not be available from every company or in every state.