Dodge Charger Insurance Rates

Estimated insurance rates for a Dodge Charger are $1,634 a year including full coverage. Comprehensive costs around $332, collision costs $582, and liability insurance is estimated at $520. Liability-only insurance costs approximately $592 a year, with high-risk driver insurance costing around $3,528. Teenage drivers pay the most at $6,168 a year or more.

Average premium for full coverage: $1,634

Premium estimates for type of coverage:

Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all Charger models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities.

The example below illustrates how geographic area affects auto insurance rates.

These rate differences highlight why everyone should get quotes for a specific zip code and risk profile, rather than relying on average rates.

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

Detailed Rate Analysis

The chart below breaks down estimated Dodge Charger insurance rates for additional coverage choices and driver risks.

• The best discount rate is $949
• Choosing higher $1,000 deductibles can save about $208 every year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,634
• Using pricier low deductibles for comp and collision coverage will increase the cost to $2,036
• High-risk insureds who are prone to accidents and violations could pay at least $3,528 or more
• An auto insurance policy for full coverage for a teen driver for full coverage can be $6,168 each year

View Chart as Image

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

A more mature driver with no violations or accidents and high deductibles could pay as little as $1,500 annually on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay as much as $6,100 a year. View Rates by Age

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 be forced to pay as much as $2,330 on average in Michigan, New York, and Louisiana.

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Using high physical damage deductibles can save as much as $610 each year, whereas buying more liability protection will increase prices. Changing from a 50/100 limit to a 250/500 limit will cost up to $468 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at least $1,900 to $2,700 additional annually, depending on your age. Dodge Charger insurance for high-risk drivers ranges anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to figure out your exact price is to regularly compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, and prices will be substantially 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 Cheaper Dodge Charger Insurance

Finding better rates on Dodge Charger insurance takes being a good driver, having a good credit history, refrain from filing small claims, and taking advantage of discounts. Invest the time to compare rates at least every other year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a condensed summary of the car insurance concepts presented in the illustrations above.

• High-risk drivers with multiple at-fault accidents pay on average $1,890 more every year than a safer driver
• You may be able to save up to $190 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save around $600 each year
• Drivers who may need an increased level of liability coverage will pay an extra $570 per year to raise limits from 30/60 bodily injury limits to 250/500 limits