Dodge Charger Insurance Rates

Average auto insurance rates for a Dodge Charger are $1,634 annually including full coverage. Comprehensive costs an estimated $332 a year, collision costs $582, and liability coverage is estimated at $520. A policy with just liability insurance costs approximately $592 a year, with coverage for high-risk drivers costing around $3,528. Teens receive the highest rates at $6,168 a year or more.

Average premium for full coverage: $1,634

Rate estimates broken down by individual coverage type:

Includes $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 Charger trim levels.

Price Range by Coverage and Risk

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 cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

These examples highlight why it is important to get quotes for a targeted area and their own personal driving habits, rather than using averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $949
• Choosing higher $1,000 deductibles can save approximately $1,426 every year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,634
• Selecting low $100 deductibles for comp and collision coverage will cost $2,036
• Drivers with serious driving violations could pay up to $3,528 or more
• The cost with full coverage for a teenage driver can cost as much as $6,168 each year

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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.

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,500 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared 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 additional per year, depending on your age. A high-risk auto insurance policy ranges around 44% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $610 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $468 more each 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 have to pay at least $2,330 on average in Louisiana, New York, and Michigan.

View Chart as Image

With so much variability in rates, the best way to figure out which company is cheapest is to get quotes and see how they stack up. Each auto insurer calculates rates differently, and rates can be significantly different between companies.

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 Buy the Cheapest Dodge Charger Insurance

Saving money on auto insurance takes avoiding accidents and claims, having good credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates at least once a year by requesting rates from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The points below are a recap of the primary concepts that were covered above.

• You may be able to save approximately $190 per year simply by quoting early and online
• Drivers that have major violations or accidents could be forced to pay on average $1,890 more annually to insure a Dodge Charger
• Increasing deductibles could save up to $600 each year
• Drivers under the age of 20 are expensive to insure, as much as $514 per month if they have full coverage