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 for full coverage. Comprehensive costs on average $332, collision insurance costs $582, and liability coverage costs around $520. A liability-only policy costs as low as $592 a year, and high-risk insurance costs around $3,528. Teen drivers receive the highest rates at up to $6,168 a year.

Average premium for full coverage: $1,634

Rate estimates by individual coverage type:

Comprehensive $332
Collision $582
Liability $520

Includes $500 physical damage deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and for different Charger trim levels.

Price Range by Coverage and Risk

For the average driver, prices range range from as cheap as $592 for a discount liability-only rate to a much higher rate of $3,528 for a high-risk insurance policy.

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

Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas tend to have fewer accident claims than larger metro areas. The price range example below illustrates how location impacts car insurance rates.

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

These examples show why anyone shopping for car insurance should compare prices based on a specific location 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.

Rates by State, City, and Model

The chart below shows average Dodge Charger insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $949
  • Using higher $1,000 deductibles will save around $208 a year
  • The estimated rate for a 40-year-old driver with $500 deductibles is $1,634
  • Choosing more expensive low deductibles for physical damage coverage will cost $2,036
  • Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,528
  • The cost with full coverage for a teenage driver with full coverage may cost $6,168 or more

View Chart as Image

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

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

An older driver with a clean driving record and high physical damage deductibles may only pay around $1,500 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay upwards of $6,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,900 to $2,700 extra per year, depending on your age. High-risk driver insurance can be around 44% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $610 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $468 more per year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Dodge Charger insurance rates. A driver around age 40 might see rates as low as $1,080 a year in states like Idaho, Maine, and Iowa, or as much as $2,330 on average in Michigan, Louisiana, 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

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 Buy the Cheapest Dodge Charger Insurance

Saving money on auto insurance requires being a safe and courteous driver, having a good credit history, eliminating unneeded coverage, and determing if full coverage is necessary. Spend time shopping around at least every other year by quoting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.

Below is a recap of the car insurance concepts touched on above.

  • Drivers that have major violations or accidents may be required to pay an average of $1,890 more each year for auto insurance
  • Drivers can save as much as $190 per year just by shopping early and online
  • Increasing deductibles could save up to $600 each year
  • Consumers who require higher levels of liability will pay about $570 each year to increase from a minimum limit to higher 250/500 limits

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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