Dodge Charger Insurance Rates

U.S. average insurance rates for a Dodge Charger are $1,614 a year including full coverage. Comprehensive insurance costs on average $320 each year, collision costs $558, and liability costs around $536. Buying just liability costs as low as $606 a year, with insurance for high-risk drivers costing $3,488 or more. Teenage drivers pay the highest rates at $6,134 a year or more.

Average premium for full coverage: $1,614

Price estimates by individual coverage:

Includes $500 deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and Charger models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how your location can change car insurance rates.

The ranges above highlight why all drivers should compare prices based on a specific location and risk profile, instead of using average rates.

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

Additional Rate Information

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

• The best discount rate is $940
• Using higher $1,000 deductibles will save around $200 every year
• The average rate for the average middle-age driver with $500 deductibles is $1,614
• Using low deductibles for physical damage coverage will cost an extra $386 every year
• Drivers who are prone to accidents and violations could pay upwards of $3,488 or more
• The price for full coverage for a teen driver may cost $6,134 or more

View Chart as Image

Insurance prices for a Dodge Charger are also quite variable based on your driving record, the model of your Charger, and policy deductibles and limits.

More mature drivers with no violations or accidents and high deductibles may pay as little as $1,500 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay upwards of $6,100 a year. View Rates by Age

The state you live in has a huge impact on Dodge Charger insurance prices. A driver around age 40 might see prices as low as $1,240 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,300 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $590 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $483 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,900 to $2,600 additional each year, depending on your age. Insurance for high-risk drivers can be as much as 42% to 132% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to figure out exactly what you will pay is to do a rate comparison and see which company has the best price. Each insurance company uses a different method to calculate prices, and prices may be quite different from one company to the next.

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 Cheapest Dodge Charger Insurance

Getting lower rates on car insurance requires not taking risks behind the wheel, having a good credit history, being claim-free, and insuring your home and auto with the same company. Invest the time to shop around at least every other year by quoting rates from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following is a recap of the car insurance concepts illustrated above.

• Higher risk drivers that have major violations or accidents may pay on average $1,870 more each year for Charger insurance
• You may be able to save as much as $190 per year simply by quoting online in advance
• Increasing physical damage deductibles can save around $575 each year
• Policyholders who require higher liability limits will pay an extra $590 per year to increase from a low limit to 250/500 limits