Dodge Charger Insurance Rates

U.S. average insurance prices for a Dodge Charger are $1,614 every 12 months including full coverage. Comprehensive costs on average $320, collision costs $558, and liability costs $536. Liability-only insurance costs as little as $606 a year, with high-risk driver insurance costing around $3,488. Teen drivers pay the highest rates at $6,134 a year or more.

Average premium for full coverage: $1,614

Price estimates by individual coverage:

Prices are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Charger trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than larger metro areas.

The price range example below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above highlight why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, instead of using price averages.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below breaks down estimated Dodge Charger insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $940
• Drivers who choose higher $1,000 deductibles will pay around $200 every year
• The average price for the average middle-age driver with $500 deductibles is $1,614
• Choosing more expensive low deductibles for comprehensive and collision insurance increases the price to $2,000
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,488 or more
• The price to insure a teen driver with full coverage may cost $6,134 a year

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Car insurance prices for a Dodge Charger are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your Charger.

Choosing high deductibles could save up to $590 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $483 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as little as $1,500 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will be charged upwards of $6,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,900 to $2,600 extra each year, depending on your age. High-risk driver insurance can cost as much as 42% to 132% more than average. View High Risk Driver Rates

The state you live in makes a big difference in Dodge Charger insurance prices. A 40-year-old driver could pay as low as $1,240 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,300 on average in Michigan, New York, and Louisiana.

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Since prices can be so different, the best way to figure out exactly what you will pay is to compare prices and see which company has the best price. Every company uses a different rate calculation, so rate quotes may be quite different.

Insurance Rates by Trim Level and Model Year

Rates assume 2022 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for Affordable Dodge Charger Insurance

Getting lower rates on car insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, being claim-free, and maximizing policy discounts. Set aside time to compare rates every time your policy renews by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a brief review of the information covered above.

• You may be able to save as much as $190 per year simply by shopping early and online
• Teenagers are expensive to insure, possibly costing $511 a month if the policy includes full coverage
• Increasing physical damage deductibles could save as much as $575 each year
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,870 more each year for car insurance
• Policyholders who require higher liability limits will pay about $590 per year to go from a low limit to a 250/500 level