Dodge Charger Insurance Rates

The average insurance rates for a Dodge Charger are $1,614 a year with full coverage. Comprehensive costs approximately $320 a year, collision costs $558, and liability is $536. Buying just liability costs around $606 a year, with insurance for high-risk drivers costing around $3,488. Teens cost the most to insure at $6,134 a year or more.

Average premium for full coverage: $1,614

Policy rates by type of insurance:

These estimates include $500 deductible amounts, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Charger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion.

The diagram below illustrates how location impacts auto insurance prices.

The examples above demonstrate why it is important to compare rates quotes using their specific location and risk profile, instead of using averaged prices.

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

Additional Rate Analysis

The chart below details estimated Dodge Charger insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $940
• Raising to $1,000 deductibles will save $1,414 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,614
• Selecting low $100 deductibles will increase the cost to $2,000
• At-risk drivers with serious driving violations could pay around $3,488 or more
• Policy cost for full coverage for a teen driver can cost $6,134

View Chart as Image

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

Older drivers with a clean driving record and high deductibles may pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay in the ballpark of $6,100 a year. View Rates by Age

Your home state also has a big influence on Dodge Charger insurance prices. A middle-age driver might find rates as low as $1,160 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,180 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $590 every year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $483 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,900 to $2,600 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 42% to 132% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes and see which company has the best rate. Every auto insurance company calculates rates differently, so the rates will be varied 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 Cheap Dodge Charger Insurance

Finding cheaper rates on car insurance consists of having a good driving record, maintaining good credit, not filing small claims, and maximizing policy discounts. Spend time shopping around once a year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The next list is a brief summary of the data that was touched on above.

• You may be able to save around $190 per year simply by quoting early and online
• Policyholders who purchase increased levels of liability coverage will pay approximately $590 every year to raise from a 30/60 limit to 250/500 limits
• Drivers age 20 and younger are expensive to insure, as much as $511 each month for full coverage
• Higher risk drivers that tend to have accidents or serious violations pay on average $1,870 more per year to buy Dodge Charger insurance