Dodge Charger Insurance Rates

Average insurance prices for a Dodge Charger are $1,614 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $320, collision costs $558, and liability insurance is estimated at $536. Buying just liability costs approximately $606 a year, with insurance for high-risk drivers costing $3,488 or more. 16-year-old drivers receive the highest rates at $6,134 a year or more.

Average premium for full coverage: $1,614

Rate estimates broken down by individual coverage type:

Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and for different Charger trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on the price of insurance. More rural locations tend to have more infrequent physical damage claims than congested cities.

The price range example below illustrates how rural and urban location affects insurance prices.

These examples illustrate why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, rather than relying on rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $940
• Choosing higher $1,000 deductibles can save approximately $200 each year
• The average price for a 40-year-old driver who has $500 deductibles is $1,614
• Buying more expensive low deductibles for comp and collision coverage costs an extra $386 a year
• High-risk insureds with multiple tickets or accidents could pay up to $3,488 or more
• The cost to insure a teen driver with full coverage can cost as much as $6,134 each year

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Auto insurance rates for a Dodge Charger can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.

Opting for high physical damage deductibles can save as much as $590 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $483 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles could pay as little as $1,500 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will have to pay at least $6,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying $1,900 to $2,600 in extra premium per year, depending on your age. High-risk driver insurance ranges anywhere from 42% to 132% more than the average rate. View High Risk Driver Rates

Where you live plays a big part in determining prices for Dodge Charger insurance rates. A good driver about age 40 could pay 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

With so much variability in rates, the only way to figure out which company is cheapest is to compare rates from as many companies as possible. Each auto insurer utilizes a different rate formula, and quoted rates can be significantly 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 the Right Dodge Charger Insurance

Saving money on Dodge Charger insurance takes having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around every couple of years by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following items are a quick rundown of the material that was raised in the charts and tables above.

• Drivers who want additional liability coverage will pay around $590 annually to raise limits from a minimum limit to a 250/500 level
• 16 to 18-year-old drivers are the costliest to insure, costing up to $511 per month if comprehensive and collision insurance is included
• High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,870 more annually than a driver with a clean driving record
• Increasing deductibles could save as much as $575 each year