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2019 Dodge Charger Insurance Rates

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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: 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

Comprehensive $344
Collision $596
Liability $498

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.

Liability Only $574
Full Coverage $1,638
High Risk $3,532

View Chart as Image

2019 Dodge Charger insurance rates compared
Column chart showing 2019 Dodge Charger insurance prices range from $953 to $6,142 for full coverage

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

Searching Companies

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.

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Rates by U.S. City

2019 Dodge Charger Insurance Rates by City
City Premium
New York City, NY $2,583
Los Angeles, CA $2,799
Philadelphia, PA $2,187
Jacksonville, FL $2,371
Phoenix, AZ $1,901
Chicago, IL $2,196
Houston, TX $2,564
Seattle, WA $1,593
Columbus, OH $1,370
Indianapolis, IN $1,397

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2019 Dodge Charger Insurance Rates by Driver Age
Driver Age Premium
16 $6,142
20 $3,768
30 $1,702
40 $1,638
50 $1,494
60 $1,464

Full coverage, $500 deductibles

Rates by Deductible

2019 Dodge Charger Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,052
$250 $1,862
$500 $1,638
$1,000 $1,424

Full coverage, driver age 40

Rates by Liability Limit

Dodge Charger Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,638
50/100 $1,738
100/300 $1,862
250/500 $2,186
100 CSL $1,787
300 CSL $2,061
500 CSL $2,261

Full coverage, driver age 40

Rates for High Risk Drivers

2019 Dodge Charger Insurance Rates for High Risk Drivers
Age Premium
16 $8,746
20 $5,988
30 $3,606
40 $3,532
50 $3,370
60 $3,338

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 $225

Potential Rate Discounts

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

Discount Savings
Multi-policy $86
Multi-vehicle $85
Homeowner $24
5-yr Accident Free $118
5-yr Claim Free $105
Paid in Full/EFT $73
Advance Quote $79
Online Quote $115
Total Discounts $685
Rate after discounts $953

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

Find companies with the cheapest rates in your area

2019 Dodge Charger Insurance Rates by State
State Premium
Alabama $1,480
Alaska $1,254
Arizona $1,358
Arkansas $1,638
California $1,866
Colorado $1,564
Connecticut $1,682
Delaware $1,854
Florida $2,044
Georgia $1,510
Hawaii $1,176
Idaho $1,112
Illinois $1,220
Indiana $1,236
Iowa $1,106
Kansas $1,554
Kentucky $2,234
Louisiana $2,424
Maine $1,012
Maryland $1,352
Massachusetts $1,308
Michigan $2,844
Minnesota $1,370
Mississippi $1,960
Missouri $1,454
Montana $1,760
Nebraska $1,290
Nevada $1,962
New Hampshire $1,180
New Jersey $1,828
New Mexico $1,450
New York $1,722
North Carolina $942
North Dakota $1,342
Ohio $1,132
Oklahoma $1,682
Oregon $1,500
Pennsylvania $1,562
Rhode Island $2,184
South Carolina $1,484
South Dakota $1,380
Tennessee $1,434
Texas $1,972
Utah $1,212
Vermont $1,120
Virginia $980
Washington $1,264
West Virginia $1,500
Wisconsin $1,132
Wyoming $1,458

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