Dodge Charger Insurance Rates
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UPDATED: Jun 8, 2024
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Average auto insurance rates for a Dodge Charger are $1,634 annually including full coverage. Comprehensive insurance costs an estimated $332, collision insurance costs $582, and liability coverage is estimated at $520. Buying just liability costs approximately $592 a year, and insurance for high-risk drivers costs $3,528 or more. Teen drivers receive the highest rates at up to $6,168 a year.
Average premium for full coverage: $1,634
Rate estimates broken down by individual coverage type:
Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for all Charger models.
Price Range by Coverage and Risk
For the average driver, prices range range from as cheap as $592 for just liability insurance to the much higher price of $3,528 for coverage for higher-risk drivers.
Price Range by Location
Living in a larger city has a large influence on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than larger metro areas. The example below illustrates how location impacts insurance prices.
These examples highlight why everyone should get quotes for a targeted area and their own personal driving habits, rather than using price 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.
More Rate Details
The chart below breaks down average Dodge Charger insurance rates for other coverage scenarios.
- The lowest rate with discounts is $949
- Choosing higher $1,000 deductibles can save approximately $208 every year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,634
- Choosing pricier low deductibles for comp and collision coverage costs an additional $402 each year
- Drivers with multiple violations and an at-fault accident could pay up to $3,528
- The cost with full coverage for a teenage driver for full coverage can cost as much as $6,168 each year
Auto insurance rates for a Dodge Charger can also vary considerably based on the trim level of your Charger, your driving characteristics, and liability limits and deductibles.
A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,500 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay at least $6,100 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying $1,900 to $2,700 in extra premium per year, depending on your age. Dodge Charger insurance for high-risk drivers ranges around 44% to 130% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $610 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $468 extra every year. View Rates by Deductible or Liability Limit
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 $1,250 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,330 on average in Louisiana, New York, and Michigan.
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% |
Insurance Rates by Trim Level and Model Year
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.
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 Buy Affordable Dodge Charger Insurance
Saving money on auto insurance takes being safe and accident-free, having above-average credit, not filing small claims, and consideration of higher deductibles. Spend time shopping around at least once a year by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
Below you'll find a brief review of the primary concepts that were touched on above.
- You may be able to save approximately $190 per year just by quoting online well ahead of the renewal date
- Drivers with DUI or reckless driving convictions could be forced to pay on average $1,890 more annually than a low-risk driver
- Increasing deductibles could save up to $600 each year
- Youthful drivers are the costliest to insure, as much as $514 per month if full coverage is included
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $2,036 |
$250 | $1,852 |
$500 | $1,634 |
$1,000 | $1,426 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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