Dodge Charger Insurance Rates

The average insurance prices for a Dodge Charger are $1,614 every 12 months with full coverage. Comprehensive costs an estimated $320, collision insurance costs $558, and liability coverage costs $536. A liability-only policy costs as little as $606 a year, and high-risk insurance costs around $3,488. Teens cost the most to insure at up to $6,134 a year.

Average premium for full coverage: $1,614

Policy rates broken down by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and for different Charger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. More rural locations are shown to have more infrequent collision claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, rather than using averaged prices.

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

Additional Charts and Tables

The chart below details average Dodge Charger insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $940
• Drivers who choose higher $1,000 deductibles will pay approximately $200 annually
• The average price for a good driver age 40 who has $500 deductibles is $1,614
• Selecting more expensive low deductibles for comprehensive and collision insurance increases the price to $2,000
• High-risk insureds with serious driving violations could pay up to $3,488
• Policy cost to insure a teenage driver with full coverage can cost as much as $6,134 a year

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Car insurance rates for a Dodge Charger also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could save up to $590 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $483 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may only pay around $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $6,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,900 to $2,600 extra every year, depending on your age. High-risk driver insurance can cost around 42% to 132% more than the average policy. View High Risk Driver Rates

Your home state 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

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 Shop for More Affordable Dodge Charger Insurance

Finding cheaper rates on auto insurance not only requires having a decent driving record, but also maintaining a good credit score, not filing small claims, and possibly higher deductibles. Set aside time to shop around at least every other year by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

The following items are a summary of the car insurance concepts raised in the charts and tables above.

• Drivers who have multiple accidents or major violations may pay on average $1,870 more annually than a driver with a clean driving record
• You may be able to save approximately $190 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $575 each year
• Consumers who want additional liability coverage will pay approximately $590 every year to go from a 30/60 limit to a 250/500 level