Dodge Charger Insurance Rates

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

Average premium for full coverage: $1,614

Rate estimates by individual coverage type:

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and Charger trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of auto insurance. Rural locations tend to have fewer physical damage claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on auto insurance prices.

These examples illustrate why it is important to compare prices using their specific location and their own personal driving habits, rather than using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $940
• Using higher $1,000 deductibles will save $1,414 each year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,614
• Selecting low $100 deductibles for physical damage coverage costs an additional $386 each year
• Higher-risk drivers with serious driving violations could pay around $3,488 or more
• The cost with full coverage for a teenage driver can cost $6,134 or more

View Chart as Image

Insurance rates for a Dodge Charger can also vary considerably based on the trim level of your Charger, your risk profile, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,500 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $6,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,900 to $2,600 additional per year, depending on your age. A high-risk auto insurance policy can be around 42% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $590 a year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $483 more each year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Dodge Charger insurance rates. A driver around age 40 might see rates as low as $1,050 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,180 on average in Florida, New York, and Michigan.

View Chart as Image

With so much variability in rates, the only way to figure out who has the best car insurance rates is to get quotes and see how they stack up. Each insurance company calculates rates differently, and rates can be significantly different between companies.

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 Buy More Affordable Dodge Charger Insurance

Saving money on auto insurance requires avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates every time your policy renews by getting quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The points below are a summary of the information covered in the above illustrations.

• It is possible to save around $190 per year simply by quoting early and online
• Drivers under the age of 20 are the costliest to insure, costing up to $511 per month if they have full coverage
• Increasing deductibles could save up to $575 each year
• Drivers who have multiple accidents or major violations could be forced to pay on average $1,870 more per year to insure a Dodge Charger
• Consumers who purchase increased liability limits will pay approximately $590 annually to increase from a minimum limit to higher 250/500 limits