2019 Dodge Charger Insurance Rates
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UPDATED: Apr 9, 2020
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Average insurance rates for a 2019 Dodge Charger are $1,638 a year for full coverage. Comprehensive insurance costs on average $344 a year, collision costs $596, and liability coverage costs around $498. Buying a liability-only policy costs as low as $574 a year, with high-risk insurance costing $3,532 or more. Teenage drivers receive the highest rates at $6,142 a year or more.
Annual premium for full coverage: $1,638
Rate estimates for 2019 Dodge Charger Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2019 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 $574 for a discount liability-only rate to a high of $3,532 for a driver who has had serious violations or accidents.
These differences show why it is important for drivers to compare prices based on a specific location and risk profile, rather than using 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 2019 Dodge Charger Insurance
Nobody enjoys paying for car insurance, in particular when the prices are way too high.
Companies like Allstate, Liberty Mutual and State Farm constantly bombard you with fancy advertisements and consumers find it hard to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.
If you currently have a car insurance policy, you should be able to cut costs considerably using these methods. Finding the best rates is easy if you know what you’re doing. Although drivers must comprehend how big insurance companies sell online.
How your Charger insurance costs are determined
The best way to find cheaper auto insurance is to take a look at the factors that play a part in calculating your policy premiums. If you have a feel for what determines premiums, this empowers consumers to make smart changes that can help you get lower rates.
The following are most of the major factors used by insurance companies to determine your prices.
- Do you really need to file that policy claims? – Auto insurance companies give discounts to policyholders who only file infrequent claims. If you file claims often, you can expect increased rates or even have your policy non-renewed. Your insurance policy is designed for the large, substantial claims.
- Small coverages can add up – There are a lot of additional extra coverages you can purchase if you aren’t careful. Coverages for replacement cost coverage, high-cost glass coverage, and motor club memberships are probably not needed. They may sound like good ideas when discussing your needs, but if you’ve never needed them in the past remove them and pocket the money.
- Keep the miles off and save – Driving a lot of miles each year the more you will pay for auto insurance. A lot of insurance companies calculate prices based upon how you use the vehicle. Cars and trucks that are left in the garage can get a lower rate than vehicles that have high annual mileage. A policy that improperly rates your Charger may be costing you higher rates. It’s a good idea to make sure your auto insurance policy correctly shows annual mileage, because improper ratings can cost you money.
- Careless drivers pay higher rates – Being a careful driver impacts premiums far more than you think. Even a single driving citation can increase rates substantially. Drivers who don’t get tickets get better prices than people who have multiple driving citations. Drivers who have received serious violations like hit and run, DWI or reckless driving convictions might be required by their state to file a SR-22 to the state department of motor vehicles in order to keep their license.
- Credit rating impacts rates – Having a good credit rating can be a huge factor in calculating your auto insurance rates. Drivers who have very good credit scores tend to file fewer claims and have better driving records as compared to drivers with lower ratings. If your credit score is not that good, you may save money insuring your 2019 Dodge Charger by repairing your credit.
- Married drivers pay lower prices – Getting married can actually save you money when buying auto insurance. Marriage may mean you are more responsible and statistics show being married results in fewer claims.
Use discounts to get cheaper insurance coverage rates
Car insurance is not cheap, but you can get discounts that can help lower your rates. Certain credits will be shown when you complete an application, but lesser-known reductions have to be specially asked for before being credited. If they aren’t giving you every credit you qualify for, you could be paying more than you need to.
- Senior Discount – If you’re over the age of 55, you can possibly qualify for reduced rates on Charger coverage.
- College Student – Older children who are enrolled in a college that is more than 100 miles from home and do not take a car to college may be insured at a cheaper rate.
- Driver Training Discounts – Taking part in a driver safety course could possibly earn you a 5% discount if your company offers it.
- Multi-car Discount – Purchasing coverage when you have more than one vehicle on a single policy qualifies for this discount.
- Accident Forgiveness Coverage – Not necessarily a discount, but companies like Progressive, Allstate, and Liberty Mutual will forgive one accident without getting socked with a rate hike if you are claim-free for a certain period of time.
- Full Payment Discount – By making one initial payment rather than paying monthly you can avoid monthly service charges.
- Theft Prevention System – Anti-theft and alarm system equipped vehicles are stolen with less frequency so companies will give you a small discount.
- Buy New and Save – Insuring a new car can save up to 30% because newer models have to meet stringent safety requirements.
A quick disclaimer, some credits don’t apply to the whole policy. A few only apply to specific coverage prices like liability and collision coverage. Just because it seems like all those discounts means the company will pay you, you won’t be that lucky.
Some of the larger companies that may offer these money-saving discounts may include but are not limited to:
Before buying, ask every company to give you their best rates. Discounts might not be offered on policies in your state.
Tailor your insurance coverage to you
When buying coverage, there really is no one size fits all plan. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that might point out if your situation could use an agent’s help.
- What is the difference between comprehensive and collision coverage?
- When does my teenage driver need to be added to my policy?
- Am I covered when delivering products for my home-based business?
- Am I covered when driving in Canada or Mexico?
- Do I need added coverage for expensive stereo equipment?
- Does my policy cover my teen driver if they drive my company car?
- Do I need motorclub coverage?
- Does medical payments coverage apply to all occupants?
If it’s difficult to answer those questions, you might consider talking to an agent. To find lower rates from a local agent, simply complete your zip code.
Learn about insurance coverages for a 2019 Dodge Charger
Having a good grasp of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Insurance terms can be confusing and coverage can change by endorsement. Below you’ll find the usual coverages found on most insurance policies.
Comprehensive auto coverage – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims like hail damage, vandalism and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your Dodge Charger.
Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.
Auto liability – This will cover damage or injury you incur to a person or their property by causing an accident. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.
Liability insurance covers claims like funeral expenses, legal defense fees and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.
Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for bills for X-ray expenses, funeral costs and surgery. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. PIP is not universally available but can be used in place of medical payments coverage
Collision coverages – This covers damage to your Charger resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like sustaining damage from a pot hole, damaging your car on a curb, scraping a guard rail and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.
Quote more. Save more.
Some insurance companies may not offer the ability to get a quote online and most of the time these regional insurance providers prefer to sell through local independent agents. Low-cost 2019 Dodge Charger insurance is definitely available on the web and from local agencies, so compare prices from both to have the best rate selection.
When you buy auto insurance online, it’s a bad idea to reduce coverage to reduce premium. There have been many cases where drivers have reduced physical damage coverage and learned later they didn’t purchase enough coverage. The aim is to buy enough coverage at the lowest possible cost while not skimping on critical coverages.
- Tools for Teen Driving Safety (State Farm)
- Auto Insurance for Teen Drivers (Insurance Information Insitute)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
- Teen Driver Statistics (Insurance Information Insitute)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
- How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
Rates by U.S. City
|New York City, NY||$2,583|
|Los Angeles, CA||$2,799|
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||$118|
|5-yr Claim Free||$105|
|Paid in Full/EFT||$73|
Discounts are estimated and may not be available from every company or in every state.