Dodge Charger Insurance Rates

Estimated insurance rates for a Dodge Charger are $1,614 a year for full coverage. Comprehensive insurance costs on average $320, collision costs $558, and liability coverage is $536. A policy with only liability insurance costs around $606 a year, with a high-risk policy costing $3,488 or more. Teenage drivers pay the most at $6,134 a year or more.

Average premium for full coverage: $1,614

Premium estimates by type of coverage:

Prices include $500 policy deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all states and for different Charger trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than densely populated cities.

The price range example below illustrates the difference location can make on car insurance rates.

These rate differences show why anyone shopping for car insurance should compare rates quotes based on a specific location, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $940
• Raising to $1,000 deductibles will save around $200 a year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,614
• Using more expensive low deductibles will cost an additional $386 each year
• Unlucky drivers who are prone to accidents and violations could pay upwards of $3,488 or more
• An auto insurance policy that insures a teenage driver with full coverage may cost $6,134

View Chart as Image

Car insurance prices for a Dodge Charger also have a wide range based on the model year and trim level, how you drive, and policy deductibles and limits.

If you have a few violations or you caused an accident, you could be paying at a minimum $1,900 to $2,600 extra annually, depending on your age. High-risk driver insurance is expensive and can cost around 42% to 132% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,500 every 12 months on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged upwards of $6,100 a year. View Rates by Age

Where you choose to live also has a big influence on Dodge Charger insurance rates. A middle-age driver might find prices as low as $1,070 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,300 on average in Michigan, Louisiana, and New York.

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Using high physical damage deductibles can reduce prices by up to $590 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $483 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know exactly what you will pay is to compare prices and see how they stack up. Every auto insurance company uses a different method to calculate prices, so rate quotes will be substantially 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 the Right Dodge Charger Insurance

Finding better rates on auto insurance consists of being safe and accident-free, having a positive credit history, not filing small claims, and maximizing policy discounts. Compare prices every couple of years by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.

Below you'll find a quick rundown of the material that was touched on in this article.

• Consumers who require more liability protection will pay an extra $590 each year to raise from 30/60 bodily injury limits to the 250/500 level
• Youthful drivers are expensive to insure, as much as $511 per month if full coverage is purchased
• Drivers with reckless driving or DUI convictions may pay on average $1,870 more each year than a low-risk driver
• Increasing policy deductibles can save approximately $575 each year