Dodge Charger Insurance Rates

U.S. average insurance rates for a Dodge Charger are $1,634 a year for full coverage insurance. Comprehensive insurance costs an estimated $332 a year, collision costs $582, and liability costs around $520. Liability-only insurance costs as low as $592 a year, with high-risk driver insurance costing $3,528 or more. Teenage drivers pay the highest rates at $6,168 a year or more.

Average premium for full coverage: $1,634

Price estimates broken down by individual coverage:

Includes $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and Charger trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on the price of insurance. More rural locations have lower incidents of physical damage claims than densely populated cities.

The diagram below illustrates how geographic area affects insurance prices.

The ranges above illustrate why it is important to compare prices for a targeted area, instead of using average rates.

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

Additional Rate Information

The chart below illustrates estimated Dodge Charger insurance rates for other coverage scenarios.

• The best discount rate is $949
• Using higher $1,000 deductibles will save approximately $1,426 each year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,634
• Using low $100 deductibles for physical damage coverage will cost an additional $402 every year
• Drivers who are prone to accidents and violations could pay up to $3,528 or more
• The price that insures a teen driver can cost as much as $6,168 or more

View Chart as Image

Car insurance prices for a Dodge Charger are also quite variable based on the trim level of your Charger, your age and driving record, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are probably paying $1,900 to $2,700 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,500 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged at least $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 $1,070 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,200 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $610 every year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out which car insurance is cheapest is to get quotes and see which company has the best price. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different.

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 Cheapest Dodge Charger Insurance

Getting lower rates on car insurance requires avoiding accidents and violations, having a positive credit history, not filing small claims, and not having any coverage lapses. Compare prices every couple of years by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

The list below is a recap of the material that was presented in the illustrations above.

• Policyholders who want higher liability limits will pay an extra $570 annually to increase from a low limit to the 250/500 level
• Teenagers have the highest car insurance prices, as much as $514 a month if full coverage is purchased
• Higher risk drivers that have major violations or accidents may have to pay on average $1,890 more annually for car insurance
• Increasing physical damage deductibles can save approximately $600 each year