Dodge Charger Insurance Rates

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UPDATED: Jun 8, 2024

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Estimated insurance prices for a Dodge Charger are $1,634 every 12 months for full coverage. Comprehensive insurance costs on average $332, collision insurance costs $582, and liability insurance costs $520. A policy with only liability insurance costs as little as $592 a year, and a high-risk policy costs $3,528 or more. Teenage drivers pay the most at up to $6,168 a year.

Average premium for full coverage: $1,634

Premium estimates by type of coverage:

Comprehensive $332
Collision $582
Liability $520

Rates are based on $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for different Charger trim levels.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Dodge Charger range from the cheapest price of $592 for basic liability insurance to a much higher rate of $3,528 for a policy for a high-risk driver.

Liability Only $592
Full Coverage $1,634
High Risk $3,528

Insurance Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than densely populated cities. The price range example below illustrates how rural and urban location affects car insurance rates.

Rural Areas $1,226
Small Cities $1,716
Large Cities $2,206

These rate differences show why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, rather than relying on average rates.

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.

Rate Comparisons

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

  • The best discount rate is $949
  • Drivers who choose higher $1,000 deductibles will pay around $208 a year
  • The average price for a 40-year-old good driver with $500 deductibles is $1,634
  • Using more expensive low deductibles for comprehensive and collision insurance costs an extra $402 a year
  • High risk drivers who are prone to accidents and violations could pay upwards of $3,528
  • An auto insurance policy to insure a teen driver with full coverage may cost $6,168 a year

View Chart as Image

Dodge Charger insurance cost comparison chart
Column chart showing Dodge Charger insurance prices range from $949 to $6,168 for full coverage

Car insurance prices for a Dodge Charger also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your Charger.

Using high physical damage deductibles could save up to $610 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $468 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles could pay as little as $1,500 per year on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged upwards of $6,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying at a minimum $1,900 to $2,700 extra annually, depending on your age. High-risk driver insurance can cost anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Dodge Charger insurance rates. A 40-year-old driver could pay as low as $1,080 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,330 on average in Michigan, Louisiana, and New York.

Dodge Charger Insurance Rates by State
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%

View Chart as Image

Dodge Charger insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Dodge Charger Insurance Rates by Model and Trim Level
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.

Dodge Charger Insurance Rates by Model Year
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 Shop for the Best Cheap Dodge Charger Insurance

Finding better rates on Dodge Charger insurance not only requires being a low-risk driver, but also maintaining a good credit score, not filing small claims, and possibly raising deductibles. Set aside time to shop around every year by obtaining price quotes from direct carriers, and also from local independent and exclusive agents.

The items below are a quick review of the coverage data raised in the charts and tables above.

  • Drivers can save as much as $190 per year just by shopping early and online
  • Increasing policy deductibles could save as much as $600 each year
  • Teen drivers are expensive to insure, as much as $514 per month if the policy includes full coverage
  • High-risk drivers with a DUI or reckless driving violation pay an average of $1,890 more each year to insure their Charger

Rates by Driver Age

Dodge Charger Insurance 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

Dodge Charger Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,036
$250 $1,852
$500 $1,634
$1,000 $1,426

Full coverage, driver age 40

Rates by Liability Limit

Dodge Charger Insurance Rates with Different Liability Limits
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

Dodge Charger Insurance 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.

SR-22 Surcharge $226

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
Rate after discounts $949

Discounts are estimated and may not be available from every company or in every state.

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