Dodge Charger Insurance Rates

Estimated auto insurance rates for a Dodge Charger are $1,614 annually for full coverage insurance. Comprehensive costs around $320, collision costs $558, and liability is estimated at $536. Liability-only insurance costs approximately $606 a year, with high-risk driver insurance costing around $3,488. Teens pay the most at $6,134 a year or more.

Average premium for full coverage: $1,614

Premium estimates for type of coverage:

Estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for all Charger models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Areas with sparse population are statistically proven to have fewer physical damage claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences illustrate why everyone should get quotes for a specific zip code and their own personal driving habits, instead of using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $940
• Choosing higher $1,000 deductibles can save about $200 each year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,614
• Selecting pricier low deductibles for comp and collision coverage will cost $2,000
• Unlucky drivers with serious driving violations could pay at least $3,488 or more
• An auto insurance policy with full coverage for a teen driver for full coverage can be $6,134 each year

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Insurance prices for a Dodge Charger also have a wide range based on the model of your Charger, your risk profile, and deductibles and policy limits.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,500 annually on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $6,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at least $1,900 to $2,600 additional annually, depending on your age. Dodge Charger insurance for high-risk drivers ranges as much as 42% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $590 every year, whereas buying more liability protection will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $483 more each year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Dodge Charger insurance prices. A good driver about age 40 could pay as low as $1,050 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,180 on average in Michigan, New York, and Florida.

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With such a large range in prices, the only way to figure out your exact price is to regularly compare prices and see which company has the best price. Each auto insurer calculates prices differently, and prices will be substantially different between companies.

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 Buy Low Cost Dodge Charger Insurance

Finding better rates on car insurance takes avoiding accidents and claims, having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Set aside time to compare rates at every policy renewal by obtaining price quotes from direct insurance companies, and also from several local insurance agents.

The points below are a review of the data covered above.

• Policyholders who may need increased liability limits will pay approximately $590 annually to raise limits from 30/60 bodily injury limits to higher 250/500 limits
• It is possible to save up to $190 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $575 each year
• Drivers under the age of 20 are charged the highest prices, with premiums being up to $511 per month if they have full coverage