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 auto insurance rates for a Dodge Charger are $1,614 annually including full coverage. Comprehensive insurance costs an estimated $320, collision insurance costs $558, and liability is estimated at $536. A policy with just liability insurance costs approximately $606 a year, and coverage for high-risk drivers costs $3,488 or more. Teens receive the highest rates at up to $6,134 a year.
Average premium for full coverage: $1,614
Rate estimates broken down by individual coverage type:
Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different Charger trim levels.
Price Range by Coverage and Risk
For the average driver, prices range range from as cheap as $606 for just liability coverage to a much higher rate of $3,488 for a driver who has had serious violations or accidents.
Price Range by Location
Living in a larger city can have significant affects on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates how location impacts insurance prices.
These examples highlight why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, instead of using 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.
Detailed Rate Analysis
The chart below breaks down average Dodge Charger insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $940
- Choosing higher $1,000 deductibles can save approximately $200 every year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,614
- Selecting more expensive low deductibles for comp and collision coverage costs an additional $386 every year
- Unlucky drivers with serious driving violations could pay up to $3,488
- The cost with full coverage for a teen driver with full coverage can cost as much as $6,134 each year
Insurance rates for a Dodge Charger can also vary considerably based on the trim level of your Charger, your driving characteristics, and liability limits and deductibles.
An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,500 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay at least $6,100 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying $1,900 to $2,600 additional per year, depending on your age. High-risk driver insurance 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, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $483 more each year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Dodge Charger insurance prices. A good driver about age 40 could pay as low as $1,240 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,300 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,458 | -$156 | -9.7% |
| Alaska | $1,238 | -$376 | -23.3% |
| Arizona | $1,338 | -$276 | -17.1% |
| Arkansas | $1,614 | -$0 | 0.0% |
| California | $1,840 | $226 | 14.0% |
| Colorado | $1,540 | -$74 | -4.6% |
| Connecticut | $1,658 | $44 | 2.7% |
| Delaware | $1,828 | $214 | 13.3% |
| Florida | $2,016 | $402 | 24.9% |
| Georgia | $1,488 | -$126 | -7.8% |
| Hawaii | $1,158 | -$456 | -28.3% |
| Idaho | $1,096 | -$518 | -32.1% |
| Illinois | $1,204 | -$410 | -25.4% |
| Indiana | $1,216 | -$398 | -24.7% |
| Iowa | $1,090 | -$524 | -32.5% |
| Kansas | $1,532 | -$82 | -5.1% |
| Kentucky | $2,200 | $586 | 36.3% |
| Louisiana | $2,390 | $776 | 48.1% |
| Maine | $998 | -$616 | -38.2% |
| Maryland | $1,330 | -$284 | -17.6% |
| Massachusetts | $1,288 | -$326 | -20.2% |
| Michigan | $2,802 | $1,188 | 73.6% |
| Minnesota | $1,350 | -$264 | -16.4% |
| Mississippi | $1,932 | $318 | 19.7% |
| Missouri | $1,430 | -$184 | -11.4% |
| Montana | $1,732 | $118 | 7.3% |
| Nebraska | $1,270 | -$344 | -21.3% |
| Nevada | $1,934 | $320 | 19.8% |
| New Hampshire | $1,162 | -$452 | -28.0% |
| New Jersey | $1,802 | $188 | 11.6% |
| New Mexico | $1,430 | -$184 | -11.4% |
| New York | $1,696 | $82 | 5.1% |
| North Carolina | $926 | -$688 | -42.6% |
| North Dakota | $1,322 | -$292 | -18.1% |
| Ohio | $1,114 | -$500 | -31.0% |
| Oklahoma | $1,656 | $42 | 2.6% |
| Oregon | $1,478 | -$136 | -8.4% |
| Pennsylvania | $1,540 | -$74 | -4.6% |
| Rhode Island | $2,154 | $540 | 33.5% |
| South Carolina | $1,460 | -$154 | -9.5% |
| South Dakota | $1,360 | -$254 | -15.7% |
| Tennessee | $1,412 | -$202 | -12.5% |
| Texas | $1,944 | $330 | 20.4% |
| Utah | $1,196 | -$418 | -25.9% |
| Vermont | $1,102 | -$512 | -31.7% |
| Virginia | $966 | -$648 | -40.1% |
| Washington | $1,246 | -$368 | -22.8% |
| West Virginia | $1,480 | -$134 | -8.3% |
| Wisconsin | $1,118 | -$496 | -30.7% |
| Wyoming | $1,438 | -$176 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Charger 3.5 | $1,576 | $131 |
| Dodge Charger | $1,576 | $131 |
| Dodge Charger 3.5 AWD | $1,614 | $135 |
| Dodge Charger AWD | $1,614 | $135 |
| Dodge Charger Rallye | $1,614 | $135 |
| Dodge Charger SXT | $1,614 | $135 |
| Dodge Charger SXT AWD | $1,614 | $135 |
| Dodge Charger R/T | $1,654 | $138 |
| Dodge Charger Rallye AWD | $1,654 | $138 |
| Dodge Charger R/T AWD | $1,692 | $141 |
| Dodge Charger SRT-8 | $1,732 | $144 |
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 | $332 | $582 | $520 | $1,634 |
| 2022 Dodge Charger | $320 | $558 | $536 | $1,614 |
| 2021 Dodge Charger | $304 | $538 | $554 | $1,596 |
| 2020 Dodge Charger | $292 | $500 | $564 | $1,556 |
| 2019 Dodge Charger | $280 | $470 | $570 | $1,520 |
| 2018 Dodge Charger | $268 | $422 | $574 | $1,464 |
| 2017 Dodge Charger | $250 | $388 | $574 | $1,412 |
| 2016 Dodge Charger | $242 | $364 | $580 | $1,386 |
| 2015 Dodge Charger | $236 | $340 | $592 | $1,368 |
| 2014 Dodge Charger | $218 | $316 | $592 | $1,326 |
| 2013 Dodge Charger | $212 | $286 | $596 | $1,294 |
| 2012 Dodge Charger | $198 | $262 | $592 | $1,252 |
| 2011 Dodge Charger | $186 | $238 | $592 | $1,216 |
| 2010 Dodge Charger | $180 | $214 | $586 | $1,180 |
| 2009 Dodge Charger | $178 | $208 | $574 | $1,160 |
| 2008 Dodge Charger | $176 | $198 | $564 | $1,138 |
| 2007 Dodge Charger | $160 | $190 | $558 | $1,108 |
| 2006 Dodge Charger | $154 | $180 | $554 | $1,088 |
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 Buy the Cheapest Dodge Charger Insurance
Saving money on car insurance takes avoiding accidents and claims, having good credit, not filing small claims, and possibly raising deductibles. Spend time shopping around every other policy renewal by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The points below are a recap of the ideas that were touched on above.
- Drivers under the age of 20 are expensive to insure, as much as $511 per month if they have full coverage
- Higher risk drivers that have major violations or accidents could be forced to pay on average $1,870 more annually to insure a Dodge Charger
- Increasing deductibles could save up to $575 each year
- You may be able to save approximately $190 per year just by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,134 |
| 20 | $3,718 |
| 30 | $1,670 |
| 40 | $1,614 |
| 50 | $1,474 |
| 60 | $1,444 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,000 |
| $250 | $1,822 |
| $500 | $1,614 |
| $1,000 | $1,414 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,614 |
| 50/100 | $1,839 |
| 100/300 | $1,973 |
| 250/500 | $2,322 |
| 100 CSL | $1,893 |
| 300 CSL | $2,188 |
| 500 CSL | $2,402 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,730 |
| 20 | $5,918 |
| 30 | $3,554 |
| 40 | $3,488 |
| 50 | $3,332 |
| 60 | $3,298 |
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 | $85 |
| Multi-vehicle | $85 |
| Homeowner | $25 |
| 5-yr Accident Free | $114 |
| 5-yr Claim Free | $104 |
| Paid in Full/EFT | $70 |
| Advance Quote | $78 |
| Online Quote | $113 |
| Total Discounts | $674 |
Discounts are estimated and may not be available from every company or in every state.
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