Dodge Charger Insurance Rates

The average insurance rates for a Dodge Charger are $1,614 a year for full coverage insurance. Comprehensive insurance costs an estimated $320, collision costs $558, and liability is $536. Liability-only insurance costs around $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 broken down by type of insurance:

Prices include $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and for all Charger models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than congested cities.

The example below illustrates how your location can change insurance prices.

The examples above illustrate why everyone should compare rates quotes for a targeted area, instead of using rate averages.

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

More Rate Information

The chart below illustrates estimated Dodge Charger insurance rates for other coverage scenarios.

• The best full coverage rate is $940
• Raising to $1,000 deductibles will save approximately $200 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,614
• Buying pricier low deductibles will cost an additional $386 every year
• At-risk drivers with multiple tickets or accidents could pay up to $3,488 or more
• Policy cost that insures a teen driver for full coverage can cost as much as $6,134

View Chart as Image

Auto insurance rates for a Dodge Charger also range considerably based on the model of your Charger, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,900 to $2,600 in extra premium every year, depending on your age. Dodge Charger insurance for high-risk drivers is expensive and can cost as much as 42% to 132% more than the average rate. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay at least $6,100 a year. View Rates by Age

Your home state also has a big influence on Dodge Charger insurance prices. A middle-age driver might find rates as low as $1,050 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,180 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $590 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $483 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to regularly compare rates and see which company has the best rate. Every auto insurance company utilizes a different rate formula, and quoted rates will be varied.

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 Right Dodge Charger Insurance

Finding cheaper rates on car insurance consists of not taking risks behind the wheel, maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Comparison shop at every other renewal by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The following is a quick rundown of the concepts that were illustrated above.

• Higher risk drivers with reckless driving or DUI convictions may have to pay on average $1,870 more annually for Charger insurance
• Teens are the costliest to insure, possibly costing $511 each month if the policy includes full coverage
• It is possible to save approximately $190 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $575 each year
• It is possible to save approximately $190 per year simply by quoting online well ahead of the renewal date