Dodge Charger Insurance Rates
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Michelle Robbins
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UPDATED: Jun 8, 2024
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Average insurance rates for a Dodge Charger are $1,634 a year for full coverage insurance. Comprehensive insurance costs around $332 each year, collision insurance costs $582, and liability insurance is estimated at $520. A liability-only policy costs approximately $592 a year, and high-risk insurance costs $3,528 or more. 16-year-old drivers receive the highest rates at up to $6,168 a year.
Average premium for full coverage: $1,634
Rate estimates for individual coverage type:
These estimates include $500 deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and Charger models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range range from the low end price of $592 for just the minimum liability insurance to a high rate of $3,528 for a driver that may need high-risk insurance.
Price Range by Location
Living in a larger city has a significant impact on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than congested cities. The graphic below illustrates how location helps determine auto insurance rates.
These examples illustrate why all drivers should get quotes for a specific zip code, rather than relying on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below illustrates average Dodge Charger insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $949
- Choosing higher $1,000 deductibles can save about $208 each year
- The estimated price for a 40-year-old driver using $500 deductibles is $1,634
- Buying low deductibles for comp and collision coverage will cost an additional $402 a year
- High-risk insureds with multiple tickets or accidents could pay at least $3,528
- The cost that insures a teen driver can be $6,168 each year
Insurance rates for a Dodge Charger can also vary considerably based on the trim level and model year, your age and driving record, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you are probably paying at least $1,900 to $2,700 extra per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,500 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay as much as $6,100 a year. View Rates by Age
Where you live plays a big part in determining prices for Dodge Charger insurance rates. A good driver about age 40 could pay as low as $1,070 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,200 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,476 | -$158 | -9.7% |
| Alaska | $1,250 | -$384 | -23.5% |
| Arizona | $1,354 | -$280 | -17.1% |
| Arkansas | $1,634 | -$0 | 0.0% |
| California | $1,860 | $226 | 13.8% |
| Colorado | $1,560 | -$74 | -4.5% |
| Connecticut | $1,678 | $44 | 2.7% |
| Delaware | $1,848 | $214 | 13.1% |
| Florida | $2,040 | $406 | 24.8% |
| Georgia | $1,508 | -$126 | -7.7% |
| Hawaii | $1,172 | -$462 | -28.3% |
| Idaho | $1,108 | -$526 | -32.2% |
| Illinois | $1,218 | -$416 | -25.5% |
| Indiana | $1,230 | -$404 | -24.7% |
| Iowa | $1,104 | -$530 | -32.4% |
| Kansas | $1,550 | -$84 | -5.1% |
| Kentucky | $2,228 | $594 | 36.4% |
| Louisiana | $2,418 | $784 | 48.0% |
| Maine | $1,008 | -$626 | -38.3% |
| Maryland | $1,348 | -$286 | -17.5% |
| Massachusetts | $1,304 | -$330 | -20.2% |
| Michigan | $2,836 | $1,202 | 73.6% |
| Minnesota | $1,366 | -$268 | -16.4% |
| Mississippi | $1,956 | $322 | 19.7% |
| Missouri | $1,450 | -$184 | -11.3% |
| Montana | $1,756 | $122 | 7.5% |
| Nebraska | $1,286 | -$348 | -21.3% |
| Nevada | $1,958 | $324 | 19.8% |
| New Hampshire | $1,176 | -$458 | -28.0% |
| New Jersey | $1,826 | $192 | 11.8% |
| New Mexico | $1,446 | -$188 | -11.5% |
| New York | $1,718 | $84 | 5.1% |
| North Carolina | $940 | -$694 | -42.5% |
| North Dakota | $1,338 | -$296 | -18.1% |
| Ohio | $1,128 | -$506 | -31.0% |
| Oklahoma | $1,676 | $42 | 2.6% |
| Oregon | $1,494 | -$140 | -8.6% |
| Pennsylvania | $1,558 | -$76 | -4.7% |
| Rhode Island | $2,180 | $546 | 33.4% |
| South Carolina | $1,480 | -$154 | -9.4% |
| South Dakota | $1,376 | -$258 | -15.8% |
| Tennessee | $1,430 | -$204 | -12.5% |
| Texas | $1,966 | $332 | 20.3% |
| Utah | $1,208 | -$426 | -26.1% |
| Vermont | $1,118 | -$516 | -31.6% |
| Virginia | $978 | -$656 | -40.1% |
| Washington | $1,260 | -$374 | -22.9% |
| West Virginia | $1,496 | -$138 | -8.4% |
| Wisconsin | $1,130 | -$504 | -30.8% |
| Wyoming | $1,456 | -$178 | -10.9% |
Opting for high physical damage deductibles can save as much as $610 each year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $468 more per year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Charger 3.5 | $1,592 | $133 |
| Dodge Charger | $1,592 | $133 |
| Dodge Charger 3.5 AWD | $1,634 | $136 |
| Dodge Charger AWD | $1,634 | $136 |
| Dodge Charger Rallye | $1,634 | $136 |
| Dodge Charger SXT | $1,634 | $136 |
| Dodge Charger SXT AWD | $1,634 | $136 |
| Dodge Charger R/T | $1,674 | $140 |
| Dodge Charger Rallye AWD | $1,674 | $140 |
| Dodge Charger R/T AWD | $1,716 | $143 |
| Dodge Charger SRT-8 | $1,756 | $146 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Dodge Charger | $344 | $596 | $498 | $1,638 |
| 2022 Dodge Charger | $332 | $582 | $520 | $1,634 |
| 2021 Dodge Charger | $320 | $558 | $536 | $1,614 |
| 2020 Dodge Charger | $304 | $538 | $554 | $1,596 |
| 2019 Dodge Charger | $292 | $500 | $564 | $1,556 |
| 2018 Dodge Charger | $280 | $470 | $570 | $1,520 |
| 2017 Dodge Charger | $268 | $422 | $574 | $1,464 |
| 2016 Dodge Charger | $250 | $388 | $574 | $1,412 |
| 2015 Dodge Charger | $242 | $364 | $580 | $1,386 |
| 2014 Dodge Charger | $236 | $340 | $592 | $1,368 |
| 2013 Dodge Charger | $218 | $316 | $592 | $1,326 |
| 2012 Dodge Charger | $212 | $286 | $596 | $1,294 |
| 2011 Dodge Charger | $198 | $262 | $592 | $1,252 |
| 2010 Dodge Charger | $186 | $238 | $592 | $1,216 |
| 2009 Dodge Charger | $180 | $214 | $586 | $1,180 |
| 2008 Dodge Charger | $178 | $208 | $574 | $1,160 |
| 2007 Dodge Charger | $176 | $198 | $564 | $1,138 |
| 2006 Dodge Charger | $160 | $190 | $558 | $1,108 |
Rates are averaged for all Dodge Charger models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheap Dodge Charger Insurance
Saving money on Dodge Charger insurance takes not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Comparison shop once a year by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following is a brief summary of the data that was covered in the charts and tables above.
- It is possible to save up to $190 per year just by quoting online in advance
- Drivers who may need higher liability limits will pay around $570 annually to raise limits from a minimum limit to the 250/500 level
- Teens pay higher rates, costing up to $514 per month if full coverage is included
- High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,890 more every year for Charger insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,168 |
| 20 | $3,764 |
| 30 | $1,696 |
| 40 | $1,634 |
| 50 | $1,492 |
| 60 | $1,462 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,036 |
| $250 | $1,852 |
| $500 | $1,634 |
| $1,000 | $1,426 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,634 |
| 50/100 | $1,860 |
| 100/300 | $1,990 |
| 250/500 | $2,328 |
| 100 CSL | $1,912 |
| 300 CSL | $2,198 |
| 500 CSL | $2,406 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,784 |
| 20 | $5,988 |
| 30 | $3,598 |
| 40 | $3,528 |
| 50 | $3,368 |
| 60 | $3,334 |
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.
| Discount | Savings |
|---|---|
| Multi-policy | $86 |
| Multi-vehicle | $86 |
| Homeowner | $25 |
| 5-yr Accident Free | $117 |
| 5-yr Claim Free | $105 |
| Paid in Full/EFT | $72 |
| Advance Quote | $79 |
| Online Quote | $115 |
| Total Discounts | $685 |
Discounts are estimated and may not be available from every company or in every state.
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