Dodge Charger Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 8, 2024
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The average insurance rates for a Dodge Charger are $1,614 a year including full coverage. Comprehensive insurance costs on average $320 a year, collision costs $558, and liability costs $536. Liability-only insurance costs as little as $606 a year, with high-risk driver insurance costing $3,488 or more. 16-year-old drivers cost the most to insure at $6,134 a year or more.
Average premium for full coverage: $1,614
Policy rates by type of insurance:
Prices include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Charger trim levels.
Price Range Variability
For the average 40-year-old driver, Dodge Charger insurance rates go from as low as $606 for liability-only coverage to a high of $3,488 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Your location can have significant affects on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than congested cities.
The diagram below illustrates the difference location can make on car insurance rates.
The examples above highlight why it is important to compare rates based on a specific location and risk profile, instead of using rate averages.
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.
Additional Charts and Tables
The chart below breaks down estimated Dodge Charger insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $940
- Drivers who choose higher $1,000 deductibles will pay around $1,414 every year
- The average rate for a good driver age 40 with $500 deductibles is $1,614
- Buying low $100 deductibles for comprehensive and collision insurance will cost an extra $386 every year
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,488 or more
- Policy cost for full coverage for a teen driver may cost $6,134 a year
Auto insurance rates for a Dodge Charger also range considerably based on your risk profile, the model of your Charger, and policy deductibles and limits.
Older drivers with a good driving record and high deductibles may pay as little as $1,500 per year on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay upwards of $6,100 a year. View Rates by Age
Your home state makes a big difference in Dodge Charger insurance prices. A 40-year-old driver could pay as low as $1,240 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,300 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,458 | -$156 | -9.7% |
| Alaska | $1,238 | -$376 | -23.3% |
| Arizona | $1,338 | -$276 | -17.1% |
| Arkansas | $1,614 | -$0 | 0.0% |
| California | $1,840 | $226 | 14.0% |
| Colorado | $1,540 | -$74 | -4.6% |
| Connecticut | $1,658 | $44 | 2.7% |
| Delaware | $1,828 | $214 | 13.3% |
| Florida | $2,016 | $402 | 24.9% |
| Georgia | $1,488 | -$126 | -7.8% |
| Hawaii | $1,158 | -$456 | -28.3% |
| Idaho | $1,096 | -$518 | -32.1% |
| Illinois | $1,204 | -$410 | -25.4% |
| Indiana | $1,216 | -$398 | -24.7% |
| Iowa | $1,090 | -$524 | -32.5% |
| Kansas | $1,532 | -$82 | -5.1% |
| Kentucky | $2,200 | $586 | 36.3% |
| Louisiana | $2,390 | $776 | 48.1% |
| Maine | $998 | -$616 | -38.2% |
| Maryland | $1,330 | -$284 | -17.6% |
| Massachusetts | $1,288 | -$326 | -20.2% |
| Michigan | $2,802 | $1,188 | 73.6% |
| Minnesota | $1,350 | -$264 | -16.4% |
| Mississippi | $1,932 | $318 | 19.7% |
| Missouri | $1,430 | -$184 | -11.4% |
| Montana | $1,732 | $118 | 7.3% |
| Nebraska | $1,270 | -$344 | -21.3% |
| Nevada | $1,934 | $320 | 19.8% |
| New Hampshire | $1,162 | -$452 | -28.0% |
| New Jersey | $1,802 | $188 | 11.6% |
| New Mexico | $1,430 | -$184 | -11.4% |
| New York | $1,696 | $82 | 5.1% |
| North Carolina | $926 | -$688 | -42.6% |
| North Dakota | $1,322 | -$292 | -18.1% |
| Ohio | $1,114 | -$500 | -31.0% |
| Oklahoma | $1,656 | $42 | 2.6% |
| Oregon | $1,478 | -$136 | -8.4% |
| Pennsylvania | $1,540 | -$74 | -4.6% |
| Rhode Island | $2,154 | $540 | 33.5% |
| South Carolina | $1,460 | -$154 | -9.5% |
| South Dakota | $1,360 | -$254 | -15.7% |
| Tennessee | $1,412 | -$202 | -12.5% |
| Texas | $1,944 | $330 | 20.4% |
| Utah | $1,196 | -$418 | -25.9% |
| Vermont | $1,102 | -$512 | -31.7% |
| Virginia | $966 | -$648 | -40.1% |
| Washington | $1,246 | -$368 | -22.8% |
| West Virginia | $1,480 | -$134 | -8.3% |
| Wisconsin | $1,118 | -$496 | -30.7% |
| Wyoming | $1,438 | -$176 | -10.9% |
Opting for high physical damage deductibles could save up to $590 every year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $483 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,900 to $2,600 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 132% more than the average rate. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes and see which company has the best rate. Every company utilizes a different rate formula, and quoted rates will be varied from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Charger 3.5 | $1,576 | $131 |
| Dodge Charger | $1,576 | $131 |
| Dodge Charger 3.5 AWD | $1,614 | $135 |
| Dodge Charger AWD | $1,614 | $135 |
| Dodge Charger Rallye | $1,614 | $135 |
| Dodge Charger SXT | $1,614 | $135 |
| Dodge Charger SXT AWD | $1,614 | $135 |
| Dodge Charger R/T | $1,654 | $138 |
| Dodge Charger Rallye AWD | $1,654 | $138 |
| Dodge Charger R/T AWD | $1,692 | $141 |
| Dodge Charger SRT-8 | $1,732 | $144 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Dodge Charger | $332 | $582 | $520 | $1,634 |
| 2022 Dodge Charger | $320 | $558 | $536 | $1,614 |
| 2021 Dodge Charger | $304 | $538 | $554 | $1,596 |
| 2020 Dodge Charger | $292 | $500 | $564 | $1,556 |
| 2019 Dodge Charger | $280 | $470 | $570 | $1,520 |
| 2018 Dodge Charger | $268 | $422 | $574 | $1,464 |
| 2017 Dodge Charger | $250 | $388 | $574 | $1,412 |
| 2016 Dodge Charger | $242 | $364 | $580 | $1,386 |
| 2015 Dodge Charger | $236 | $340 | $592 | $1,368 |
| 2014 Dodge Charger | $218 | $316 | $592 | $1,326 |
| 2013 Dodge Charger | $212 | $286 | $596 | $1,294 |
| 2012 Dodge Charger | $198 | $262 | $592 | $1,252 |
| 2011 Dodge Charger | $186 | $238 | $592 | $1,216 |
| 2010 Dodge Charger | $180 | $214 | $586 | $1,180 |
| 2009 Dodge Charger | $178 | $208 | $574 | $1,160 |
| 2008 Dodge Charger | $176 | $198 | $564 | $1,138 |
| 2007 Dodge Charger | $160 | $190 | $558 | $1,108 |
| 2006 Dodge Charger | $154 | $180 | $554 | $1,088 |
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 Find the Right Dodge Charger Insurance
Finding cheaper rates on car insurance not only requires avoiding accidents and violations, but also having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Make time to compare rates every year by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The list below is a quick rundown of the coverage data touched on in this article.
- You may be able to save as much as $190 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles can save around $575 each year
- Teenagers are charged the highest rates, with premiums being up to $511 each month if they have full coverage
- Higher risk drivers with reckless driving or DUI convictions may pay on average $1,870 more each year for car insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,134 |
| 20 | $3,718 |
| 30 | $1,670 |
| 40 | $1,614 |
| 50 | $1,474 |
| 60 | $1,444 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,000 |
| $250 | $1,822 |
| $500 | $1,614 |
| $1,000 | $1,414 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,614 |
| 50/100 | $1,839 |
| 100/300 | $1,973 |
| 250/500 | $2,322 |
| 100 CSL | $1,893 |
| 300 CSL | $2,188 |
| 500 CSL | $2,402 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,730 |
| 20 | $5,918 |
| 30 | $3,554 |
| 40 | $3,488 |
| 50 | $3,332 |
| 60 | $3,298 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $85 |
| Multi-vehicle | $85 |
| Homeowner | $25 |
| 5-yr Accident Free | $114 |
| 5-yr Claim Free | $104 |
| Paid in Full/EFT | $70 |
| Advance Quote | $78 |
| Online Quote | $113 |
| Total Discounts | $674 |
Discounts are estimated and may not be available from every company or in every state.
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