Dodge Charger Insurance Rates

Average insurance prices for a Dodge Charger are $1,614 every 12 months with full coverage. Comprehensive costs on average $320 a year, collision insurance costs $558, and liability coverage costs $536. Buying just liability costs as little as $606 a year, and insurance for high-risk drivers costs around $3,488. Teenage drivers receive the highest rates at up to $6,134 a year.

Average premium for full coverage: $1,614

Rate estimates by individual coverage type:

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and Charger trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on auto insurance rates. Rural areas tend to have more infrequent collision claims than densely populated cities. The diagram below illustrates the effect of geographic area on car insurance rates.

These examples demonstrate why it is important to compare rates based on a specific location and their own driving history, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $940
• Drivers who choose higher $1,000 deductibles will pay around $1,414 annually
• The average price for a 40-year-old driver with $500 deductibles is $1,614
• Using low $100 deductibles for comprehensive and collision insurance increases the price to $2,000
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,488
• The cost to insure a teenage driver may cost $6,134 a year

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Auto insurance rates for a Dodge Charger can also vary considerably based on policy deductibles and limits, your driving record, and the trim level of your Charger.

Using high physical damage deductibles could save up to $590 a year, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $483 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $1,500 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay upwards of $6,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at a minimum $1,900 to $2,600 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost around 42% to 132% more than a normal policy. View High Risk Driver Rates

Where you live makes a big difference in Dodge Charger insurance rates. A 40-year-old driver could pay as low as $1,160 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,180 on average in Florida, Michigan, and New York.

View Chart as Image

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 Cheaper Dodge Charger Insurance

Saving money on auto insurance not only requires being a good driver, but also having a good credit score, eliminating unnecessary coverage, and deciding if full coverage is necessary. Take the time to compare rates every time your policy renews by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a condensed summary of the information covered in the above illustrations.

• You may be able to save as much as $190 per year just by quoting early and online
• Drivers age 16 to 20 are charged the highest rates, with premiums as much as $511 per month if comprehensive and collision insurance is included
• Increasing deductibles could save as much as $575 each year
• Drivers with multiple at-fault accidents may pay on average $1,870 more each year than a safer driver
• Consumers who require an increased level of liability coverage will pay an extra $590 every year to go from a minimum limit to a 250/500 level