Dodge Charger Insurance Rates

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UPDATED: Jun 8, 2024

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Average insurance rates for a Dodge Charger are $1,634 a year with full coverage. Comprehensive costs on average $332 a year, collision costs $582, and liability costs around $520. A policy with just liability insurance costs as low as $592 a year, with coverage for high-risk drivers costing around $3,528. 16-year-old drivers receive the highest rates at $6,168 a year or more.

Average premium for full coverage: $1,634

Rate estimates by individual coverage type:

Comprehensive $332
Collision $582
Liability $520

Rate estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all U.S. states and Charger trim levels.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range go from the low end price of $592 for minimum levels of liability insurance to a high of $3,528 for a driver who has had serious violations or accidents.

Liability Only $592
Full Coverage $1,634
High Risk $3,528

Price Range by Location

Where you live can make a big difference on auto insurance rates. Rural areas tend to have lower incidents of collision claims than congested cities.

The diagram below illustrates how where you live affects car insurance rates.

Rural Areas $1,226
Small Cities $1,716
Large Cities $2,206

These examples demonstrate why it is important to compare prices based on a specific location, instead of making a decision based on 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 Rate Details

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

  • The best full coverage rate is $949
  • Using higher $1,000 deductibles will save around $1,426 annually
  • The estimated price for a 40-year-old driver with $500 deductibles is $1,634
  • Buying low $100 deductibles for physical damage coverage bumps up the cost to $2,036
  • High-risk insureds with multiple tickets or accidents could pay upwards of $3,528 or more
  • The cost that insures a 16-year-old driver may cost $6,168 or more

View Chart as Image

Dodge Charger insurance cost comparison chart
Column chart showing full coverage Dodge Charger insurance rates range from $949 to $6,168

Insurance rates for a Dodge Charger can also vary considerably based on the trim level of your Charger, your age and driving habits, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you may be forking out at a minimum $1,900 to $2,700 additional per year, depending on your age. A high-risk auto insurance policy can be from 44% to 130% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,500 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $6,100 a year. View Rates by Age

Where you live has a huge impact on Dodge Charger insurance prices. A driver around age 40 might see rates as low as $1,180 a year in states like New Hampshire, Ohio, and Utah, or at least $2,200 on average in Florida, Michigan, and New York.

Dodge Charger Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,476 -$158 -9.7%
Alaska $1,250 -$384 -23.5%
Arizona $1,354 -$280 -17.1%
Arkansas $1,634 -$0 0.0%
California $1,860 $226 13.8%
Colorado $1,560 -$74 -4.5%
Connecticut $1,678 $44 2.7%
Delaware $1,848 $214 13.1%
Florida $2,040 $406 24.8%
Georgia $1,508 -$126 -7.7%
Hawaii $1,172 -$462 -28.3%
Idaho $1,108 -$526 -32.2%
Illinois $1,218 -$416 -25.5%
Indiana $1,230 -$404 -24.7%
Iowa $1,104 -$530 -32.4%
Kansas $1,550 -$84 -5.1%
Kentucky $2,228 $594 36.4%
Louisiana $2,418 $784 48.0%
Maine $1,008 -$626 -38.3%
Maryland $1,348 -$286 -17.5%
Massachusetts $1,304 -$330 -20.2%
Michigan $2,836 $1,202 73.6%
Minnesota $1,366 -$268 -16.4%
Mississippi $1,956 $322 19.7%
Missouri $1,450 -$184 -11.3%
Montana $1,756 $122 7.5%
Nebraska $1,286 -$348 -21.3%
Nevada $1,958 $324 19.8%
New Hampshire $1,176 -$458 -28.0%
New Jersey $1,826 $192 11.8%
New Mexico $1,446 -$188 -11.5%
New York $1,718 $84 5.1%
North Carolina $940 -$694 -42.5%
North Dakota $1,338 -$296 -18.1%
Ohio $1,128 -$506 -31.0%
Oklahoma $1,676 $42 2.6%
Oregon $1,494 -$140 -8.6%
Pennsylvania $1,558 -$76 -4.7%
Rhode Island $2,180 $546 33.4%
South Carolina $1,480 -$154 -9.4%
South Dakota $1,376 -$258 -15.8%
Tennessee $1,430 -$204 -12.5%
Texas $1,966 $332 20.3%
Utah $1,208 -$426 -26.1%
Vermont $1,118 -$516 -31.6%
Virginia $978 -$656 -40.1%
Washington $1,260 -$374 -22.9%
West Virginia $1,496 -$138 -8.4%
Wisconsin $1,130 -$504 -30.8%
Wyoming $1,456 -$178 -10.9%

View Chart as Image

Dodge Charger insurance rates by U.S. city

Opting for high physical damage deductibles could cut rates by as much as $610 annually, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $468 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out exactly what you will pay is to get quotes from multiple companies. Each insurance company utilizes a different rate formula, and rates can be significantly different.

Insurance Rates by Trim Level and Model Year

Dodge Charger Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Dodge Charger 3.5 $1,592 $133
Dodge Charger $1,592 $133
Dodge Charger 3.5 AWD $1,634 $136
Dodge Charger AWD $1,634 $136
Dodge Charger Rallye $1,634 $136
Dodge Charger SXT $1,634 $136
Dodge Charger SXT AWD $1,634 $136
Dodge Charger R/T $1,674 $140
Dodge Charger Rallye AWD $1,674 $140
Dodge Charger R/T AWD $1,716 $143
Dodge Charger SRT-8 $1,756 $146

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.

Dodge Charger Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2023 Dodge Charger $344 $596 $498 $1,638
2022 Dodge Charger $332 $582 $520 $1,634
2021 Dodge Charger $320 $558 $536 $1,614
2020 Dodge Charger $304 $538 $554 $1,596
2019 Dodge Charger $292 $500 $564 $1,556
2018 Dodge Charger $280 $470 $570 $1,520
2017 Dodge Charger $268 $422 $574 $1,464
2016 Dodge Charger $250 $388 $574 $1,412
2015 Dodge Charger $242 $364 $580 $1,386
2014 Dodge Charger $236 $340 $592 $1,368
2013 Dodge Charger $218 $316 $592 $1,326
2012 Dodge Charger $212 $286 $596 $1,294
2011 Dodge Charger $198 $262 $592 $1,252
2010 Dodge Charger $186 $238 $592 $1,216
2009 Dodge Charger $180 $214 $586 $1,180
2008 Dodge Charger $178 $208 $574 $1,160
2007 Dodge Charger $176 $198 $564 $1,138
2006 Dodge Charger $160 $190 $558 $1,108

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 Best Dodge Charger Insurance

Saving money on insurance for a Dodge Charger requires being a low-risk driver, having a good credit score, eliminating unnecessary coverage, and insuring your home and auto with the same company. Comparison shop every other policy renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The items below are a brief recap of the ideas that were touched on in the above illustrations.

  • Teen drivers pay higher rates, with premiums as much as $514 per month if comprehensive and collision insurance is included
  • Drivers considered higher risk who tend to receive serious violations pay on average $1,890 more each year to insure their Charger
  • Increasing deductibles can save approximately $600 each year
  • You may be able to save as much as $190 per year simply by quoting early and online

Rates by Driver Age

Dodge Charger Insurance Rates by Driver Age
Driver Age Premium
16 $6,168
20 $3,764
30 $1,696
40 $1,634
50 $1,492
60 $1,462

Full coverage, $500 deductibles

Rates by Deductible

Dodge Charger Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,036
$250 $1,852
$500 $1,634
$1,000 $1,426

Full coverage, driver age 40

Rates by Liability Limit

Dodge Charger Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,634
50/100 $1,860
100/300 $1,990
250/500 $2,328
100 CSL $1,912
300 CSL $2,198
500 CSL $2,406

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Charger Insurance Rates for High Risk Drivers
Age Premium
16 $8,784
20 $5,988
30 $3,598
40 $3,528
50 $3,368
60 $3,334

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.

SR-22 Surcharge $226

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $86
Multi-vehicle $86
Homeowner $25
5-yr Accident Free $117
5-yr Claim Free $105
Paid in Full/EFT $72
Advance Quote $79
Online Quote $115
Total Discounts $685
Rate after discounts $949

Discounts are estimated and may not be available from every company or in every state.

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