Dodge Charger Insurance Rates

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UPDATED: Jun 8, 2024

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Estimated auto insurance rates for a Dodge Charger are $1,634 annually including full coverage. Comprehensive costs on average $332 each year, collision costs $582, and liability coverage is estimated at $520. A policy with only liability insurance costs approximately $592 a year, with a high-risk policy costing around $3,528. Teens pay the most at $6,168 a year or more.

Average premium for full coverage: $1,634

Premium estimates by type of coverage:

Comprehensive $332
Collision $582
Liability $520

Full coverage includes $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Charger models.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Dodge Charger go from as cheap as $592 for just liability coverage to a high rate of $3,528 for coverage for higher-risk drivers.

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

Insurance Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural areas are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates how where you live affects car insurance rates.

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

These rate differences highlight why all drivers should get quotes based on a specific location and their own personal driving habits, rather than 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 estimated Dodge Charger insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $949
  • Choosing higher $1,000 deductibles can save around $208 every year
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $1,634
  • Selecting low deductibles for comp and collision coverage will cost $2,036
  • Drivers with serious driving violations could pay upwards of $3,528 or more
  • An auto insurance policy with full coverage for a teenage driver may cost $6,168 each year

View Chart as Image

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

Car insurance prices for a Dodge Charger also have a wide range based on the model of your Charger, your driving characteristics, and policy deductibles and limits.

More mature drivers with no driving violations and high physical damage deductibles may only pay around $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 will be charged upwards of $6,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,900 to $2,700 extra annually, depending on your age. Insurance for high-risk drivers ranges around 44% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $610 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $468 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Dodge Charger insurance rates. A good driver about age 40 could pay as low as $1,250 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,330 on average in Michigan, New York, and Louisiana.

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

With such a large range in prices, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Each auto insurer calculates prices differently, so rate quotes will be substantially different between companies.

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 Buy More Affordable Dodge Charger Insurance

Finding better rates on auto insurance takes being a low-risk driver, having a good credit score, refrain from filing small claims, and maximizing policy discounts. Take the time to comparison shop at least once a year by getting quotes from direct car insurance companies, and also from several local insurance agents.

The items below are a summary of the primary concepts that were touched on in the above illustrations.

  • You may be able to save as much as $190 per year simply by quoting online in advance
  • Drivers who have multiple accidents or major violations pay on average $1,890 more each year to insure their Charger
  • Increasing policy deductibles could save up to $600 each year
  • Teen drivers are expensive to insure, with the cost nearing $514 per month if comprehensive and collision insurance is included

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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