Dodge Charger Insurance Rates

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The average auto insurance rates for a Dodge Charger are $1,626 annually for full coverage insurance. Comprehensive insurance costs on average $368 a year, collision insurance costs $604, and liability coverage costs around $454. A liability-only policy costs as low as $538 a year, and high-risk insurance costs $3,486 or more. Teen drivers cost the most to insure at up to $5,998 a year.

Annual premium for full coverage: $1,626

Policy rates by individual coverage type:

Comprehensive $368
Collision $604
Liability $454

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Dodge Charger Trim Level

For a driver in their 40's, Dodge Charger insurance rates range from as cheap as $538 for liability-only coverage to a high of $3,486 for a driver who has had serious violations or accidents.

Liability Only $538
Full Coverage $1,626
High Risk $3,486

These price differences illustrate why it is important for drivers to compare prices based on a specific location and their own personal driving habits, rather than using price averages.

Use the form below to get rates for your location.

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Car insurance rates for a Dodge Charger also range considerably based on the model year, your risk profile, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Prices are highest for teenagers, where even without any violations or accidents they will be charged upwards of $5,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,900 to $2,600 extra every year, depending on your age. A high-risk auto insurance policy can be around 43% to 131% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $650 a year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise prices by up to $408 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Dodge Charger insurance rates. A driver around age 40 might see prices as low as $1,180 a year in states like North Carolina, , and , or as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

Because prices have so much variability, the only way to figure out exactly what you will pay is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, so rate quotes will be varied between companies.

View Chart as Image

Dodge Charger insurance cost comparison chart
Column chart showing Dodge Charger insurance prices range from $950 to $5,998 for full coverage

The chart estimates Dodge Charger insurance prices for various situations. The cheapest price with discounts is $950. Drivers who choose higher $1,000 deductibles will pay about $1,404. The average price for a 40-year-old male driver using $500 deductibles is $1,626. Choosing low $100 deductibles for physical damage coverage could cost up to $2,050. High risk drivers could be charged around $3,486. The cost for full coverage for a teen driver can be as high as $5,998.

Dodge Charger Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,468 -$158 -9.7%
Alaska $1,244 -$382 -23.5%
Arizona $1,348 -$278 -17.1%
Arkansas $1,626 -$0 0.0%
California $1,852 $226 13.9%
Colorado $1,552 -$74 -4.6%
Connecticut $1,668 $42 2.6%
Delaware $1,838 $212 13.0%
Florida $2,030 $404 24.8%
Georgia $1,500 -$126 -7.7%
Hawaii $1,166 -$460 -28.3%
Idaho $1,102 -$524 -32.2%
Illinois $1,210 -$416 -25.6%
Indiana $1,224 -$402 -24.7%
Iowa $1,098 -$528 -32.5%
Kansas $1,542 -$84 -5.2%
Kentucky $2,214 $588 36.2%
Louisiana $2,406 $780 48.0%
Maine $1,004 -$622 -38.3%
Maryland $1,340 -$286 -17.6%
Massachusetts $1,298 -$328 -20.2%
Michigan $2,822 $1,196 73.6%
Minnesota $1,358 -$268 -16.5%
Mississippi $1,946 $320 19.7%
Missouri $1,442 -$184 -11.3%
Montana $1,746 $120 7.4%
Nebraska $1,280 -$346 -21.3%
Nevada $1,948 $322 19.8%
New Hampshire $1,170 -$456 -28.0%
New Jersey $1,816 $190 11.7%
New Mexico $1,438 -$188 -11.6%
New York $1,710 $84 5.2%
North Carolina $936 -$690 -42.4%
North Dakota $1,332 -$294 -18.1%
Ohio $1,122 -$504 -31.0%
Oklahoma $1,666 $40 2.5%
Oregon $1,488 -$138 -8.5%
Pennsylvania $1,552 -$74 -4.6%
Rhode Island $2,168 $542 33.3%
South Carolina $1,472 -$154 -9.5%
South Dakota $1,370 -$256 -15.7%
Tennessee $1,422 -$204 -12.5%
Texas $1,958 $332 20.4%
Utah $1,202 -$424 -26.1%
Vermont $1,110 -$516 -31.7%
Virginia $972 -$654 -40.2%
Washington $1,254 -$372 -22.9%
West Virginia $1,490 -$136 -8.4%
Wisconsin $1,124 -$502 -30.9%
Wyoming $1,448 -$178 -10.9%

View Chart as Image

Dodge Charger insurance rates by U.S. city

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Rates by Driver Age

Dodge Charger Insurance Rates by Driver Age
Driver Age Premium
16 $5,998
20 $3,718
30 $1,694
40 $1,626
50 $1,482
60 $1,452

Full coverage, $500 deductibles

Rates by Deductible

Dodge Charger Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,050
$250 $1,856
$500 $1,626
$1,000 $1,404

Full coverage, driver age 40

Rates by Liability Limit

Dodge Charger Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,626
50/100 $1,717
100/300 $1,830
250/500 $2,125
100 CSL $1,762
300 CSL $2,012
500 CSL $2,194

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Charger Insurance Rates for High Risk Drivers
Age Premium
16 $8,544
20 $5,898
30 $3,564
40 $3,486
50 $3,324
60 $3,288

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 $220

Potential Rate Discounts

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

Discount Savings
Multi-policy $86
Multi-vehicle $82
Homeowner $23
5-yr Accident Free $117
5-yr Claim Free $103
Paid in Full/EFT $73
Advance Quote $78
Online Quote $114
Total Discounts $676
Rate after discounts $950

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

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