Dodge Charger Insurance Rates

U.S. average insurance rates for a Dodge Charger are $1,634 a year with full coverage. Comprehensive costs an estimated $332, collision insurance costs $582, and liability insurance is $520. Buying just liability costs around $592 a year, and insurance for high-risk drivers costs around $3,528. Teens pay the highest rates at up to $6,168 a year.

Average premium for full coverage: $1,634

Price estimates broken down by individual coverage:

These estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for different Charger trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. More rural locations have lower incidents of collision claims than cities with more traffic congestion. The price range example below illustrates how location helps determine insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area, rather than relying on averaged prices.

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

Rates by State, City, and Model

The chart below details average Dodge Charger insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $949
• Raising to $1,000 deductibles will save approximately $208 annually
• The estimated price for the average middle-age driver who has $500 deductibles is $1,634
• Selecting more expensive low deductibles bumps up the cost to $2,036
• Higher-risk drivers with serious driving violations could pay up to $3,528
• The price that insures a teen driver with full coverage can cost as much as $6,168

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Insurance prices for a Dodge Charger are also quite variable based on the model year and trim level, your age and driving habits, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you may be forking out $1,900 to $2,700 additional each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,500 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $6,100 a year. View Rates by Age

The state you live in also has a big influence on Dodge Charger insurance rates. A middle-age driver might find prices as low as $1,180 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,200 on average in New York, Michigan, and Florida.

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Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $610 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $468 more each year. View Rates by Deductible or Liability Limit

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 Cheap Dodge Charger Insurance

Getting lower rates on Dodge Charger insurance consists of being safe and accident-free, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Compare rates every couple of years by obtaining price quotes from direct companies, and also from insurance agencies where you live.

Below you'll find a brief summary of the material that was covered in the charts and tables above.

• Drivers who want more liability protection will pay approximately $570 every year to raise from a low limit to the 250/500 level
• Youthful drivers are expensive to insure, costing up to $514 a month if comprehensive and collision insurance is included
• High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,890 more annually than a low-risk driver
• Increasing physical damage deductibles can save approximately $600 each year