Dodge Charger Insurance Rates

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

Average premium for full coverage: $1,614

Policy rates broken down by type of insurance:

Includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 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 auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how geographic area affects insurance prices.

The examples above highlight why it is important to compare rates quotes for a targeted area, instead of using price averages.

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

Additional Charts and Tables

The chart below breaks down estimated Dodge Charger insurance rates for other coverage scenarios.

• The lowest rate with discounts is $940
• Raising to $1,000 deductibles will save approximately $1,414 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,614
• Choosing low $100 deductibles will cost an additional $386 every year
• At-risk drivers with multiple violations and an at-fault accident could pay up to $3,488 or more
• Policy cost that insures a teen driver can cost as much as $6,134

View Chart as Image

Car insurance rates for a Dodge Charger also range considerably based on the trim level of your Charger, your driving record and age, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are likely paying $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 average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged at least $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 $1,240 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,300 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can reduce rates by up to $590 every year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $483 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes and see which company has the best rate. Every auto insurance company uses a different rate calculation, so rate quotes 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 Find the Cheapest Dodge Charger Insurance

Finding cheaper rates on car insurance consists of having a decent driving record, having a positive credit history, paying for small claims out-of-pocket, and not having any coverage lapses. Shop around at least once a year by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The following items are a recap of the primary concepts that were presented in the illustrations above.

• You may be able to save approximately $190 per year simply by quoting early and online
• Higher risk drivers that have major violations or accidents could be charged and average of $1,870 more annually than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save approximately $575 each year
• 16 to 18-year-old drivers have the highest car insurance rates, with premiums being up to $511 each month if full coverage is purchased