Dodge Charger Insurance Rates

Estimated insurance prices for a Dodge Charger are $1,614 every 12 months for full coverage. Comprehensive costs around $320, collision costs $558, and liability costs $536. A policy with only liability insurance costs as little as $606 a year, with a high-risk policy costing around $3,488. Teenage drivers pay the most at $6,134 a year or more.

Average premium for full coverage: $1,614

Premium estimates for type of coverage:

These estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and for different Charger trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than densely populated cities.

The price range example below illustrates how location impacts auto insurance rates.

These rate differences show why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below shows estimated Dodge Charger insurance rates for additional coverage choices and driver risks.

• The best discount rate is $940
• Drivers who choose higher $1,000 deductibles will pay about $200 a year
• The average price for a 40-year-old good driver using $500 deductibles is $1,614
• Using more expensive low deductibles for comprehensive and collision insurance increases the price to $2,000
• Drivers who are prone to accidents and violations could pay at least $3,488 or more
• An auto insurance policy to insure a 16-year-old driver with full coverage can be $6,134 a year

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Car insurance prices for a Dodge Charger also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level and model year.

Using high physical damage deductibles could save up to $590 annually, while increasing your policy's liability limits will increase prices. Going from a 50/100 liability limit to a 250/500 limit will cost up to $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 low as $1,500 per year on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged as much as $6,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at least $1,900 to $2,600 extra annually, depending on your age. High-risk driver insurance can cost from 42% to 132% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Dodge Charger insurance prices. A 40-year-old driver could pay as low as $1,070 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,300 on average in Michigan, Louisiana, and New York.

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With such a large range in prices, the only way to know your exact price is to compare prices from multiple companies. Every company uses a different method to calculate prices, so rate quotes will be substantially 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 Cheap Dodge Charger Insurance

Finding better rates on insurance for a Dodge Charger not only requires not taking risks behind the wheel, but also maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Spend time shopping around every other policy renewal by requesting quotes from direct carriers, and also from local exclusive and independent agents.

The following is a brief summary of the ideas that were touched on above.

• Teens are the costliest to insure, as much as $511 per month if the policy includes full coverage
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,870 more every year for Charger insurance
• Increasing policy deductibles could save as much as $575 each year
• Drivers can save up to $190 per year simply by shopping early and online