Dodge Charger Insurance Rates

The average insurance prices for a Dodge Charger are $1,634 every 12 months for full coverage insurance. Comprehensive insurance costs around $332, collision costs $582, and liability coverage is $520. Liability-only insurance costs around $592 a year, with high-risk driver insurance costing $3,528 or more. Teenage drivers cost the most to insure at $6,168 a year or more.

Average premium for full coverage: $1,634

Policy rates for type of insurance:

Rate estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different Charger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than densely populated cities.

The price range example below illustrates the effect of geographic area on auto insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, rather than using average rates.

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

Additional Rate Information

The chart below illustrates estimated Dodge Charger insurance rates for additional coverage choices and driver risks.

• The best discount rate is $949
• Raising to $1,000 deductibles will save about $208 each year
• The average price for a good driver age 40 using $500 deductibles is $1,634
• Using more expensive low deductibles costs an extra $402 each year
• Unlucky drivers who are prone to accidents and violations could pay at least $3,528 or more
• Policy cost to insure a teenage driver with full coverage can be $6,168

View Chart as Image

Auto insurance rates for a Dodge Charger also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.

Using high physical damage deductibles can reduce rates by up to $610 a year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $468 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may only pay around $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay as much as $6,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,900 to $2,700 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 130% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Dodge Charger insurance rates. A middle-age driver might find rates as low as $1,070 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,200 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out your exact price is to compare rates and see how they stack up. Every auto insurance company uses a different method to calculate rates, and quoted rates will be varied.

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 Shop for the Best Dodge Charger Insurance

Finding cheaper rates on auto insurance consists of being a low-risk driver, having a good credit score, being claim-free, and maximizing policy discounts. Take the time to compare rates once a year by obtaining price quotes from direct insurance companies, and also from your local independent and exclusive agents.

The items below are a brief recap of the data that was covered in the above illustrations.

• It is possible to save up to $190 per year simply by shopping early and online
• Consumers who may need more liability coverage will pay an extra $570 annually to raise from a 30/60 limit to a 250/500 level
• Teen drivers are expensive to insure, possibly costing $514 each month if comprehensive and collision insurance is included
• Drivers who tend to receive serious violations may pay on average $1,890 more every year to insure their Charger