Dodge Charger Insurance Rates

U.S. average insurance rates for a Dodge Charger are $1,614 a year with full coverage. Comprehensive costs approximately $320 a year, collision costs $558, and liability insurance costs $536. A policy with just liability insurance costs as little as $606 a year, with coverage for high-risk drivers costing around $3,488. Teens pay the highest rates at $6,134 a year or more.

Average premium for full coverage: $1,614

Price estimates by individual coverage:

These estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and Charger trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on the price of insurance. Rural locations have a lower frequency of collision claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects auto insurance prices.

The ranges above demonstrate why it is important to compare rates using their specific location and risk profile, rather than relying on averaged prices.

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

Rates by State, City, and Model

The chart below details estimated Dodge Charger insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $940
• Drivers who choose higher $1,000 deductibles will pay $1,414 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,614
• Selecting low $100 deductibles for comprehensive and collision insurance will increase the cost to $2,000
• High risk drivers with serious driving violations could pay around $3,488 or more
• The price for full coverage for a teen driver can cost $6,134 a year

View Chart as Image

Insurance prices for a Dodge Charger are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles could pay as little as $1,500 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay in the ballpark of $6,100 a year. View Rates by Age

The state you live in 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 Utah, Ohio, and New Hampshire, or have to pay at least $2,180 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $590 each year, while buying higher liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $483 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,900 to $2,600 extra each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 132% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to get quotes from as many companies as possible. Every company calculates prices differently, so the prices may be quite different from one company to the next.

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 Cheap Dodge Charger Insurance

Getting lower rates on Dodge Charger insurance not only requires being a low-risk driver, but also maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates at every policy renewal by requesting rates from direct companies like Progressive and GEICO, and also from several local insurance agents.

The items below are a brief summary of the data presented in the illustrations above.

• Drivers who purchase more liability coverage will pay approximately $590 every year to go from a low limit to 250/500 limits
• You may be able to save around $190 per year simply by quoting early and online
• Increasing physical damage deductibles can save around $575 each year
• Teen drivers are expensive to insure, costing up to $511 a month for full coverage