Dodge Charger Insurance Rates

Average insurance prices for a Dodge Charger are $1,614 every 12 months including full coverage. Comprehensive insurance costs approximately $320, collision costs $558, and liability insurance is $536. Buying just liability costs around $606 a year, with insurance for high-risk drivers costing $3,488 or more. Teenage drivers receive the highest rates at $6,134 a year or more.

Average premium for full coverage: $1,614

Rate estimates by individual coverage type:

Rate estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different Charger trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations tend to have more infrequent comprehensive and collision claims than densely populated cities.

The price range example below illustrates the difference location can make on auto insurance prices.

These examples highlight why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, rather than relying on average rates.

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

Detailed Rate Analysis

The chart below breaks down estimated Dodge Charger insurance rates for additional coverage and risk scenarios.

• The best discount rate is $940
• Raising to $1,000 deductibles will save $200 every year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,614
• Using more expensive low deductibles costs an extra $386 a year
• Higher-risk drivers who are prone to accidents and violations could pay around $3,488 or more
• The cost to insure a teen driver with full coverage can cost $6,134

View Chart as Image

Auto insurance rates for a Dodge Charger can also vary considerably based on policy deductibles and limits, your driving characteristics, and the model of your Charger.

Using high physical damage deductibles can reduce rates by up to $590 each year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $483 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles could pay as little as $1,500 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay in the ballpark of $6,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying anywhere from $1,900 to $2,600 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 42% to 132% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on Dodge Charger insurance rates. A middle-age driver might find rates as low as $1,240 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,300 on average in Louisiana, New York, and Michigan.

View Chart as Image

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and quoted rates can be significantly 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 the Best Dodge Charger Insurance

Saving money on Dodge Charger insurance consists of avoiding accidents and violations, having a good credit score, not filing small claims, and not having any coverage lapses. Make time to compare rates once a year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local car insurance providers.

The list below is a brief recap of the data that was touched on in this article.

• You may be able to save around $190 per year simply by shopping early and online
• Drivers who purchase higher liability limits will pay an extra $590 per year to raise from a minimum limit to a 250/500 level
• Teenagers have the highest car insurance rates, as much as $511 per month if comprehensive and collision insurance is included
• High-risk drivers who tend to receive serious violations could be charged and average of $1,870 more per year for car insurance