2010 Dodge Charger Insurance Rates
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UPDATED: Jun 12, 2015
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Average insurance rates for a 2010 Dodge Charger are $1,368 a year with full coverage. Comprehensive costs around $236 each year, collision costs $340, and liability costs around $592. Buying a liability-only policy costs as low as $652 a year, with high-risk insurance costing around $2,942. Teen drivers receive the highest rates at $5,416 a year or more.
Annual premium for full coverage: $1,368
Rate estimates for 2010 Dodge Charger Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2010 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 a middle-aged driver, prices range go from as low as $652 for basic liability insurance to a high rate of $2,942 for a high risk driver.
These differences demonstrate why all drivers should compare prices for a specific zip code and risk profile, instead of 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 2010 Dodge Charger Insurance
Sick and tired of scraping the payment together to buy car insurance? You are no different than most other car owners.
Popular companies such as State Farm, Progressive and GEICO all claim big savings with advertising and consumers find it hard to avoid their marketing magic and find the best price available.
Fast and Easy Insurance Coverage Quotes
There are a lot of ways to shop for insurance coverage, but one way is easier and takes less work. You could waste a few hours driving to insurance agencies in your area, or you can stay home and use online quoting to get pricing more quickly.
Many of the larger companies participate in an industry program where insurance shoppers send in one quote, and at least one company returns a competitive quote. This system prevents you from having to do quotation requests for each company you want a rate for.
To compare 2010 Dodge Charger rates using this form now click here to start a free quote.
One minor caviat to using this type of system is that consumers can’t choose the insurers you want to price. So if you want to choose individual companies to receive pricing from, we have a page of the cheapest insurance coverage companies in your area. Click here to view list.
It doesn’t matter which method you choose, just compare exactly the same deductibles and coverage limits on every quote. If you are comparing different deductibles it will be very difficult to truly determine the lowest rate. Having just a slight variation in insurance coverages could mean much higher rates. And when comparing insurance coverage rates, know that comparing more company’s prices helps you find better pricing.
Save on 2010 Dodge Charger insurance
Companies do not advertise every discount very clearly, so the following is a list of some of the best known as well as the least known ways to save on auto insurance.
- Early Signing – Some companies give discounts for switching to them prior to your current policy expiring. This can save 10% or more.
- Use Seat Belts – Drivers who require all occupants to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
- Service Members Pay Less – Having a family member in the military could mean lower rates.
- Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
- Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. The discount lasts up until you turn 25.
- Drivers Ed for Students – Cut your cost by having your teen driver complete a driver education course in high school.
- No Accidents – Drivers who don’t have accidents pay less compared to bad drivers.
- Federal Employees – Being employed by or retired from a federal job may qualify you for a discount on Charger insurance with a few auto insurance companies.
Consumers should know that most discounts do not apply to the entire cost. Some only reduce individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, you’re out of luck.
To see a list of insurers who offer auto insurance discounts, click this link.
Tailor your coverage to you
When buying adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. For example, these questions may help you determine if you might need professional guidance.
- Does car insurance cover theft of personal property?
- What is an SR-22 filing?
- Do I really need UM/UIM coverage?
- Should I buy full coverage?
- What discounts do I qualify for?
- Can I make deliveries for my home business?
- Can I afford low physical damage deductibles?
If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.
Specifics of your insurance policy
Knowing the specifics of a insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most insurance policies.
Coverage for uninsured or underinsured drivers
Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.
Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.
Coverage for medical expenses
Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like rehabilitation expenses, dental work, funeral costs and doctor visits. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage
Liability insurance can cover damage that occurs to people or other property in an accident. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.
Liability coverage pays for things like pain and suffering, medical expenses, court costs, legal defense fees and bail bonds. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.
Collision insurance will pay to fix damage to your Charger from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.
Collision insurance covers things such as backing into a parked car, scraping a guard rail and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.
Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims like rock chips in glass, damage from flooding, fire damage, falling objects and theft. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Compare but don’t skimp
When shopping online for auto insurance, don’t be tempted to reduce coverage to reduce premium. There have been many situations where someone dropped full coverage and learned later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy a smart amount of coverage at the best price.
In this article, we covered a lot of tips how to save on 2010 Dodge Charger insurance. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may even find the best prices are with a small local company. Smaller companies can often provide lower rates in certain areas than their larger competitors like GEICO and State Farm.
To learn more, link through to the resources below:
Rates by U.S. City
|New York City, NY||$2,154|
|Los Angeles, CA||$2,334|
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||$87|
|5-yr Claim Free||$86|
|Paid in Full/EFT||$52|
Discounts are estimated and may not be available from every company or in every state.