Dodge Charger Insurance Rates

Estimated insurance rates for a Dodge Charger are $1,634 a year for full coverage insurance. Comprehensive insurance costs on average $332 a year, collision costs $582, and liability costs $520. A liability-only policy costs as little as $592 a year, with high-risk insurance costing $3,528 or more. Teenage drivers pay the most at $6,168 a year or more.

Average premium for full coverage: $1,634

Premium estimates by type of coverage:

Prices include $500 physical damage deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and Charger trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than densely populated cities.

The diagram below illustrates how location helps determine car insurance rates.

These rate differences illustrate why it is important to compare rates based on a specific location, instead of making a decision based on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $949
• Drivers who choose higher $1,000 deductibles will pay around $1,426 each year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,634
• Using low $100 deductibles for comprehensive and collision insurance will cost an additional $402 annually
• Drivers who are prone to accidents and violations could pay upwards of $3,528 or more
• An auto insurance policy that insures a 16-year-old driver may cost $6,168 a year

View Chart as Image

Auto insurance prices for a Dodge Charger also have a wide range based on the trim level of your Charger, your age and driving record, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are probably paying at a minimum $1,900 to $2,700 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost from 44% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,500 per year on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay upwards of $6,100 a year. View Rates by Age

Where you choose to live makes a big difference in Dodge Charger insurance prices. A 40-year-old driver could pay as low as $1,070 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,200 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $610 annually, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $468 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out exactly what you will pay is to get quotes from multiple companies. Every company uses a different method to calculate prices, and quoted prices 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 Find the Right Dodge Charger Insurance

Finding better rates on insurance for a Dodge Charger not only requires being a safe and courteous driver, but also maintaining a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Compare prices at least once a year by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

Below is a quick rundown of the primary concepts that were covered in the charts and tables above.

• It is possible to save as much as $190 per year simply by quoting early and online
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,890 more each year for auto insurance
• Increasing policy deductibles can save approximately $600 each year
• Teenage drivers are charged the highest prices, with premiums being up to $514 per month if the policy includes full coverage