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2006 Dodge Charger Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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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

Comprehensive $186
Collision $238
Liability $592

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.

Liability Only $652
Full Coverage $1,216
High Risk $2,612

View Chart as Image

2006 Dodge Charger insurance rates compared
Column chart showing 2006 Dodge Charger insurance prices range from $744 to $4,944 for full coverage

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 Companies

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 coverage

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 coverages

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

2006 Dodge Charger Insurance Rates by City
City Premium
New York City, NY $1,914
Los Angeles, CA $2,073
Philadelphia, PA $1,621
Jacksonville, FL $1,761
Phoenix, AZ $1,408
Chicago, IL $1,627
Houston, TX $1,901
Seattle, WA $1,182
Columbus, OH $1,014
Indianapolis, IN $1,035

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2006 Dodge Charger Insurance Rates by Driver Age
Driver Age Premium
16 $4,944
20 $2,778
30 $1,230
40 $1,216
50 $1,116
60 $1,092

Full coverage, $500 deductibles

Rates by Deductible

2006 Dodge Charger Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,400
$250 $1,316
$500 $1,216
$1,000 $1,120

Full coverage, driver age 40

Rates by Liability Limit

Dodge Charger Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,216
50/100 $1,334
100/300 $1,482
250/500 $1,867
100 CSL $1,394
300 CSL $1,719
500 CSL $1,956

Full coverage, driver age 40

Rates for High Risk Drivers

2006 Dodge Charger Insurance Rates for High Risk Drivers
Age Premium
16 $6,954
20 $4,426
30 $2,630
40 $2,612
50 $2,500
60 $2,470

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.

SR-22 Surcharge $162

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $61
Multi-vehicle $66
Homeowner $22
5-yr Accident Free $72
5-yr Claim Free $76
Paid in Full/EFT $42
Advance Quote $52
Online Quote $81
Total Discounts $472
Rate after discounts $744

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2006 Dodge Charger Insurance Rates by State
State Premium
Alabama $1,096
Alaska $932
Arizona $1,006
Arkansas $1,216
California $1,382
Colorado $1,158
Connecticut $1,248
Delaware $1,374
Florida $1,518
Georgia $1,120
Hawaii $870
Idaho $822
Illinois $904
Indiana $916
Iowa $822
Kansas $1,154
Kentucky $1,654
Louisiana $1,798
Maine $750
Maryland $1,002
Massachusetts $970
Michigan $2,108
Minnesota $1,016
Mississippi $1,454
Missouri $1,076
Montana $1,306
Nebraska $958
Nevada $1,456
New Hampshire $874
New Jersey $1,356
New Mexico $1,076
New York $1,276
North Carolina $698
North Dakota $994
Ohio $838
Oklahoma $1,246
Oregon $1,114
Pennsylvania $1,158
Rhode Island $1,620
South Carolina $1,102
South Dakota $1,024
Tennessee $1,064
Texas $1,462
Utah $900
Vermont $830
Virginia $726
Washington $938
West Virginia $1,114
Wisconsin $842
Wyoming $1,082

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