Dodge Charger Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 8, 2024
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Average insurance rates for a Dodge Charger are $1,634 a year with full coverage. Comprehensive insurance costs approximately $332 each year, collision insurance costs $582, and liability insurance is $520. A liability-only policy costs around $592 a year, and high-risk insurance costs $3,528 or more. Teens receive the highest rates at up to $6,168 a year.
Average premium for full coverage: $1,634
Rate estimates by individual coverage type:
Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and Charger models.
Price Range by Coverage and Risk
For the normal driver, prices range range from the low end price of $592 for liability-only coverage to a high rate of $3,528 for a policy for a high-risk driver.
Price Range by Location
Choosing to live in a large city has a significant impact on the price of insurance. Rural locations tend to have lower incidents of collision claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects auto insurance prices.
These examples demonstrate why all drivers should compare rates quotes using their specific location, rather than relying on averaged prices.
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 Charts and Tables
The chart below details average Dodge Charger insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $949
- Raising to $1,000 deductibles will save $208 annually
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,634
- Selecting low deductibles will cost an additional $402 a year
- Higher-risk drivers with serious driving violations could pay around $3,528
- The cost that insures a teen driver can cost $6,168
Insurance rates for a Dodge Charger can also vary considerably based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,900 to $2,700 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 130% more than the average policy. 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 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $6,100 a year. View Rates by Age
Where you live also has a big influence on Dodge Charger insurance rates. A middle-age driver might find rates as low as $1,180 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,200 on average in New York, Michigan, 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $610 each year, whereas increasing liability limits will push rates upward. Moving 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 the Best Dodge Charger Insurance
Saving money on Dodge Charger insurance consists of avoiding accidents and violations, having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Compare rates every year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The list below is a brief recap of the coverage data presented in the illustrations above.
- You may be able to save around $190 per year just by quoting online in advance
- Increasing deductibles can save approximately $600 each year
- Teenagers are expensive to insure, with premiums as much as $514 per month if full coverage is included
- High-risk drivers who tend to receive serious violations may have to pay on average $1,890 more per year for car 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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