Dodge Charger Insurance Rates

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

Average premium for full coverage: $1,634

Price estimates by individual coverage:

Includes $500 physical damage deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and Charger trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on the price of auto insurance. Rural locations have a lower frequency of physical damage claims than cities with more traffic congestion.

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

The ranges above illustrate why it is important to get quotes using their specific location and risk profile, instead of using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $949
• Choosing higher $1,000 deductibles can save $1,426 each year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,634
• Selecting low $100 deductibles for comp and collision coverage will increase the cost to $2,036
• Unlucky drivers with serious driving violations could pay around $3,528 or more
• The price for full coverage for a teen driver can cost $6,168 each year

View Chart as Image

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

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

The state you live in plays a big part in determining prices for Dodge Charger insurance prices. A good driver about age 40 could pay as low as $1,070 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,200 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $610 every year, while buying higher liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $468 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying anywhere from $1,900 to $2,700 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 130% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out who has the best car insurance prices is to get quotes and see which company has the best price. Each auto insurer calculates prices differently, and quoted 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 the Cheapest Dodge Charger Insurance

Getting lower rates on car insurance takes being a safe and courteous driver, having good credit, not filing small claims, and not having any coverage lapses. Invest the time to compare rates once a year by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below is a recap of the data that was presented in the illustrations above.

• It is possible to save around $190 per year simply by quoting early and online
• Policyholders who purchase higher levels of liability will pay approximately $570 annually to raise limits from a low limit to 250/500 limits
• Teenage drivers have the highest car insurance prices, as much as $514 a month if they have full coverage
• Higher risk drivers that have major violations or accidents may pay on average $1,890 more per year for auto insurance