1. Vehicles
  2. Dodge
  3. Charger
  4. 2012 Model Year

2012 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 ...

Full Bio →

Written by

UPDATED: Nov 23, 2017

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a 2012 Dodge Charger are $1,412 a year for full coverage insurance. Comprehensive insurance costs on average $250 each year, collision costs $388, and liability costs around $574. Buying a liability-only policy costs as low as $638 a year, with high-risk insurance costing $3,048 or more. Teenage drivers receive the highest rates at $5,550 a year or more.

Annual premium for full coverage: $1,412

Rate estimates for 2012 Dodge Charger Insurance

Comprehensive $250
Collision $388
Liability $574

Rate data is compiled from all 50 U.S. states and averaged for all 2012 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 driver in their 40's, prices range go from as low as $638 for a discount liability-only rate to a high rate of $3,048 for a driver who has had serious violations or accidents.

Liability Only $638
Full Coverage $1,412
High Risk $3,048

View Chart as Image

2012 Dodge Charger insurance rates compared
Column chart showing 2012 Dodge Charger insurance prices range from $840 to $5,550 for full coverage

These differences illustrate why all drivers should compare prices based on a specific location and risk profile, instead of making a decision based on average rates.

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 2012 Dodge Charger Insurance

Searching Companies

Want cheaper auto insurance rates for your Dodge Charger? No one looks forward to paying for auto insurance, particularly when they are paying too much. Multiple insurers compete for your insurance dollar, so it’s not easy to compare every provider and get the best coverage at the best rates possible.

If you have a current car insurance policy or are looking for a new policy, you can use these techniques to find better prices and still get good coverage. Finding the best rates is easy if you know what you’re doing. Drivers just need to understand the most effective way to compare prices online.

Car Insurance Comparison Rates

There are several ways you can shop for Dodge Charger car insurance but there is one way that is easier and takes less work. You can spend countless hours discussing policy coverages with local insurance agents in your area, or you could save time and use online quotes to get rate comparisons in just a few minutes.

The majority of car insurance companies belong to a marketplace that enables customers to submit their information once, and every company provides a quote determined by their information. This eliminates the need for quote forms to each company.

To find out what other companies charge for 2012 Dodge Charger insurance click here to open in new window.

One minor caviat to getting quotes like this is you don’t know exactly which carriers you will receive quotes from. So if you prefer to choose individual companies for rate comparison, we have assembled a list of low cost car insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just make absolute certain that you use the exact same coverages with each company. If you compare different values for each quote it will be very difficult to find the best deal for your Dodge Charger.

Will just any policy work for me?

When it comes to buying the right insurance coverage, there is no “perfect” insurance plan. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that may help you determine whether your personal situation could use an agent’s help.

  • Do I need rental car coverage?
  • How much liability insurance is required?
  • Do I need more liability coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does my car insurance cover rental cars?
  • What is the rate difference between pleasure use and commuting?
  • Does medical payments coverage apply to all occupants?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Can my babysitter drive my car?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Car insurance coverages for a 2012 Dodge Charger

Understanding the coverages of insurance can be of help when determining appropriate coverage for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages available from insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Dodge Charger.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

Auto liability insurance

Liability coverage protects you from damages or injuries you inflict on other’s property or people. This coverage protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things such as repair costs for stationary objects, legal defense fees, bail bonds and funeral expenses. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Insurance for medical payments

Med pay and PIP coverage kick in for short-term medical expenses such as hospital visits, dental work, rehabilitation expenses and chiropractic care. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as a broken windshield, hail damage and a tree branch falling on your vehicle. The most your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision protection

This coverage pays for damage to your Charger from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a ditch, damaging your car on a curb and rolling your car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Rates by U.S. City

2012 Dodge Charger Insurance Rates by City
City Premium
New York City, NY $2,229
Los Angeles, CA $2,415
Philadelphia, PA $1,887
Jacksonville, FL $2,046
Phoenix, AZ $1,641
Chicago, IL $1,890
Houston, TX $2,210
Seattle, WA $1,376
Columbus, OH $1,181
Indianapolis, IN $1,205

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2012 Dodge Charger Insurance Rates by Driver Age
Driver Age Premium
16 $5,550
20 $3,244
30 $1,448
40 $1,412
50 $1,294
60 $1,266

Full coverage, $500 deductibles

Rates by Deductible

2012 Dodge Charger Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,692
$250 $1,562
$500 $1,412
$1,000 $1,266

Full coverage, driver age 40

Rates by Liability Limit

Dodge Charger Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,412
50/100 $1,527
100/300 $1,670
250/500 $2,043
100 CSL $1,584
300 CSL $1,900
500 CSL $2,130

Full coverage, driver age 40

Rates for High Risk Drivers

2012 Dodge Charger Insurance Rates for High Risk Drivers
Age Premium
16 $7,854
20 $5,166
30 $3,088
40 $3,048
50 $2,912
60 $2,882

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 $192

Potential Rate Discounts

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

Discount Savings
Multi-policy $73
Multi-vehicle $76
Homeowner $24
5-yr Accident Free $92
5-yr Claim Free $89
Paid in Full/EFT $56
Advance Quote $65
Online Quote $97
Total Discounts $572
Rate after discounts $840

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

Find companies with the cheapest rates in your area

2012 Dodge Charger Insurance Rates by State
State Premium
Alabama $1,276
Alaska $1,082
Arizona $1,172
Arkansas $1,412
California $1,610
Colorado $1,348
Connecticut $1,450
Delaware $1,598
Florida $1,764
Georgia $1,304
Hawaii $1,012
Idaho $958
Illinois $1,050
Indiana $1,066
Iowa $956
Kansas $1,340
Kentucky $1,924
Louisiana $2,092
Maine $872
Maryland $1,166
Massachusetts $1,128
Michigan $2,452
Minnesota $1,182
Mississippi $1,690
Missouri $1,252
Montana $1,518
Nebraska $1,112
Nevada $1,692
New Hampshire $1,016
New Jersey $1,578
New Mexico $1,252
New York $1,486
North Carolina $812
North Dakota $1,158
Ohio $976
Oklahoma $1,450
Oregon $1,294
Pennsylvania $1,348
Rhode Island $1,884
South Carolina $1,280
South Dakota $1,194
Tennessee $1,238
Texas $1,700
Utah $1,046
Vermont $964
Virginia $844
Washington $1,092
West Virginia $1,296
Wisconsin $978
Wyoming $1,260

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles