Dodge Charger Insurance Rates

U.S. average insurance rates for a Dodge Charger are $1,614 a year with full coverage. Comprehensive costs on average $320 a year, collision costs $558, and liability costs around $536. Liability-only coverage costs as low as $606 a year, with high-risk coverage 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 include $500 deductible amounts, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and Charger trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on auto insurance rates. Rural areas have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates how location helps determine car insurance rates.

The ranges above demonstrate why it is important to compare prices based on a specific location and risk profile, instead of making a decision based on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $940
• Using higher $1,000 deductibles will save around $1,414 annually
• The average rate for the average middle-age driver with $500 deductibles is $1,614
• Choosing low $100 deductibles for physical damage coverage will increase the cost to $2,000
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,488 or more
• The price for full coverage for a 16-year-old driver may cost $6,134 or more

View Chart as Image

Auto insurance prices for a Dodge Charger are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.

Older drivers with a good driving record and high deductibles may pay as low as $1,500 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay upwards of $6,100 a year. View Rates by Age

The state you live in has a huge impact on Dodge Charger insurance prices. A driver around age 40 might see prices as low as $1,160 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,180 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles could cut prices by as much as $590 annually, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $483 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,900 to $2,600 in extra premium each year, depending on your age. A high-risk auto insurance policy can be from 42% to 132% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to find out exactly what you will pay is to get quotes from multiple companies. Each insurance company uses a different rate calculation, and quoted prices may be quite different from one company to the next.

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 Find the Right Dodge Charger Insurance

Getting lower rates on insurance for a Dodge Charger requires having a good driving record, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Invest time comparing rates at every other renewal by quoting rates from direct companies like Progressive and GEICO, and also from local insurance agents.

The next list is a quick rundown of the concepts that were covered in the charts and tables above.

• Drivers considered higher risk with reckless driving or DUI convictions may be required to pay an average of $1,870 more each year to buy Dodge Charger insurance
• Drivers age 20 and younger are charged the highest prices, costing up to $511 a month if they have full coverage
• You may be able to save as much as $190 per year simply by quoting early and online
• Increasing physical damage deductibles can save around $575 each year
• You may be able to save as much as $190 per year simply by quoting early and online