Dodge Charger Insurance Rates

Estimated insurance prices for a Dodge Charger are $1,614 every 12 months including full coverage. Comprehensive insurance costs on average $320 a year, collision costs $558, and liability is estimated at $536. A policy with only liability insurance costs approximately $606 a year, with a high-risk policy costing $3,488 or more. Teenage drivers pay the most at $6,134 a year or more.

Average premium for full coverage: $1,614

Premium estimates by type of coverage:

Estimates include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and Charger trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

These rate differences highlight why it is important to get quotes based on a specific location and their own driving history, instead of using average rates.

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

More Rate Information

The chart below breaks down estimated Dodge Charger insurance rates for different risk profiles and scenarios.

• The best discount rate is $940
• Choosing higher $1,000 deductibles can save around $1,414 every year
• The average price for a 40-year-old good driver with $500 deductibles is $1,614
• Using low $100 deductibles for comp and collision coverage costs an extra $386 every year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $3,488 or more
• An auto insurance policy to insure a teen driver may cost $6,134 each year

View Chart as Image

Car insurance prices for a Dodge Charger also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your Charger.

Using high physical damage deductibles can save as much as $590 every year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $483 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may 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, since even excellent drivers will be charged upwards of $6,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,900 to $2,600 extra annually, depending on your age. A high-risk auto insurance policy ranges as much as 42% to 132% more than a normal policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Dodge Charger insurance prices. A good driver about age 40 could pay as low as $1,240 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,300 on average in Michigan, New York, and Louisiana.

View Chart as Image

With such a large range in prices, the best way to figure out exactly what you will pay is to get quotes and see which company has the best price. Each auto insurer uses a different method to calculate prices, so rate quotes will be substantially different.

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 Low Cost Dodge Charger Insurance

Finding better rates on car insurance takes avoiding accidents and claims, maintaining a good credit score, refrain from filing small claims, and maximizing policy discounts. Set aside time to compare rates every couple of years by requesting rates from direct car insurance companies, and also from your local independent and exclusive agents.

The points below are a review of the material that was covered above.

• Policyholders who require increased liability limits will pay an extra $590 per year to raise limits from 30/60 bodily injury limits to a 250/500 level
• Drivers under the age of 20 are expensive to insure, with the cost nearing $511 per month if the policy includes full coverage
• Higher risk drivers who have several accidents or serious violations may pay on average $1,870 more each year to insure a Dodge Charger
• Increasing policy deductibles could save as much as $575 each year