Dodge Charger Insurance Rates

Average insurance rates for a Dodge Charger are $1,614 a year for full coverage insurance. Comprehensive insurance costs an estimated $320 a year, collision costs $558, and liability is estimated at $536. A policy with just liability insurance costs approximately $606 a year, with coverage for high-risk drivers costing $3,488 or more. Teenage 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:

Estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and Charger trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than densely populated cities.

The diagram below illustrates how rural and urban location affects insurance prices.

These examples illustrate why it is important to get quotes for a targeted area, instead of making a decision based on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $940
• Choosing higher $1,000 deductibles can save approximately $1,414 each year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,614
• Using low $100 deductibles for comp and collision coverage will cost an additional $386 annually
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,488 or more
• The cost that insures a 16-year-old driver can cost as much as $6,134 each year

View Chart as Image

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

If you like to drive fast or you caused an accident, you are probably paying $1,900 to $2,600 additional per year, depending on your age. A high-risk auto insurance policy ranges from 42% to 132% more than a normal policy. 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 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $6,100 a year. View Rates by Age

Where you live plays a big part in determining prices for Dodge Charger insurance prices. A good driver about age 40 could pay as low as $1,050 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,180 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $590 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $483 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out which company is cheapest is to get quotes from multiple companies. Each auto insurer uses a different method to calculate rates, and 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 Find Low Cost Dodge Charger Insurance

Saving money on insurance for a Dodge Charger takes being a low-risk driver, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Compare prices at every policy renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The items below are a review of the data raised in the charts and tables above.

• Insureds who want more liability coverage will pay an extra $590 annually to raise limits from a minimum limit to the 250/500 level
• It is possible to save approximately $190 per year simply by quoting early and online
• Increasing deductibles can save approximately $575 each year
• Teen drivers are expensive to insure, costing up to $511 per month if comprehensive and collision insurance is included