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Dodge Charger Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing...

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UPDATED: Apr 9, 2020

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Dodge Charger insurance

How much is average car insurance for a Dodge Charger? Most drivers will pay an average of $1,668 a year, or $139 a month. Read our guide to learn how to save on a wide range of Dodge Charger model years, whether it’s 2019, 2018, 2017, or 2010 Dodge Charger insurance costs.

To start comparing Dodge Charger insurance rates and find out how much a Dodge Charger costs to insure, enter your ZIP code in our free tool above.

Average auto insurance rates for a Dodge Charger are $1,668 annually including full coverage. Comprehensive insurance costs around $376 a year, collision costs $626, and liability is estimated at $466. Liability-only coverage costs approximately $548 a year, with high-risk coverage costing $3,580 or more. Teen drivers receive the highest rates at $6,146 a year or more.

Average premium for full coverage: $1,668

Rate estimates for individual coverage type:

Comprehensive $376
Collision $626
Liability $466

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Charger trim levels.

Price Range by Coverage and Risk

For the average 40-year-old driver, prices range go from as cheap as $548 for liability-only coverage to a high of $3,580 for coverage for higher-risk drivers.

Liability Only $548
Full Coverage $1,668
High Risk $3,580

Price Range by Location

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than larger metro areas.

The diagram below illustrates the difference location can make on auto insurance rates.

Rural Areas $1,251
Small Cities $1,751
Large Cities $2,252

These examples highlight why it is important to get quotes for a specific zip code and their own personal driving habits, instead of making a decision based on price averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Charts and Tables

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

  • The lowest rate with discounts is $971
  • Choosing higher $1,000 deductibles can save about $1,440 every year
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,668
  • Choosing low $100 deductibles for comp and collision coverage costs an additional $440 annually
  • Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,580 or more
  • The cost with full coverage for a 16-year-old driver can be $6,146 each year

View Chart as Image

Dodge Charger insurance cost comparison chart
Column chart showing full coverage Dodge Charger insurance prices range from $971 to $6,146

Car insurance rates for a Dodge Charger can also vary considerably based on the trim level of your Charger, your driving characteristics, and deductibles and policy limits.

Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,500 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged as much as $6,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying at least $1,900 to $2,700 extra per year, depending on your age. A high-risk auto insurance policy ranges from 44% to 128% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $670 annually, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $420 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Dodge Charger insurance prices. A good driver about age 40 could pay as low as $1,280 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,380 on average in Michigan, New York, and Louisiana.

Dodge Charger Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,504 -$164 -9.8%
Alaska $1,276 -$392 -23.5%
Arizona $1,380 -$288 -17.3%
Arkansas $1,668 -$0 0.0%
California $1,898 $230 13.8%
Colorado $1,590 -$78 -4.7%
Connecticut $1,710 $42 2.5%
Delaware $1,886 $218 13.1%
Florida $2,082 $414 24.8%
Georgia $1,538 -$130 -7.8%
Hawaii $1,194 -$474 -28.4%
Idaho $1,130 -$538 -32.3%
Illinois $1,240 -$428 -25.7%
Indiana $1,256 -$412 -24.7%
Iowa $1,126 -$542 -32.5%
Kansas $1,582 -$86 -5.2%
Kentucky $2,270 $602 36.1%
Louisiana $2,468 $800 48.0%
Maine $1,030 -$638 -38.2%
Maryland $1,374 -$294 -17.6%
Massachusetts $1,330 -$338 -20.3%
Michigan $2,892 $1,224 73.4%
Minnesota $1,396 -$272 -16.3%
Mississippi $1,994 $326 19.5%
Missouri $1,478 -$190 -11.4%
Montana $1,790 $122 7.3%
Nebraska $1,310 -$358 -21.5%
Nevada $1,998 $330 19.8%
New Hampshire $1,200 -$468 -28.1%
New Jersey $1,860 $192 11.5%
New Mexico $1,476 -$192 -11.5%
New York $1,752 $84 5.0%
North Carolina $958 -$710 -42.6%
North Dakota $1,364 -$304 -18.2%
Ohio $1,152 -$516 -30.9%
Oklahoma $1,710 $42 2.5%
Oregon $1,524 -$144 -8.6%
Pennsylvania $1,588 -$80 -4.8%
Rhode Island $2,222 $554 33.2%
South Carolina $1,508 -$160 -9.6%
South Dakota $1,406 -$262 -15.7%
Tennessee $1,460 -$208 -12.5%
Texas $2,006 $338 20.3%
Utah $1,232 -$436 -26.1%
Vermont $1,140 -$528 -31.7%
Virginia $998 -$670 -40.2%
Washington $1,286 -$382 -22.9%
West Virginia $1,528 -$140 -8.4%
Wisconsin $1,152 -$516 -30.9%
Wyoming $1,484 -$184 -11.0%

View Chart as Image

Dodge Charger insurance rates by U.S. city

With so much variability in rates, the best way to figure out your exact price is to get quotes from multiple companies. Each auto insurer uses a different rate calculation, so rate quotes can be significantly different between companies.

Insurance Rates by Trim Level and Model Year

Dodge Charger Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Dodge Charger $1,622 $135
Dodge Charger 3.5 $1,622 $135
Dodge Charger 3.5 AWD $1,668 $139
Dodge Charger AWD $1,668 $139
Dodge Charger Rallye $1,668 $139
Dodge Charger SXT $1,668 $139
Dodge Charger SXT AWD $1,668 $139
Dodge Charger R/T $1,712 $143
Dodge Charger Rallye AWD $1,712 $143
Dodge Charger R/T AWD $1,758 $147
Dodge Charger SRT-8 $1,802 $150

Rates assume 2020 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.

Dodge Charger Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Dodge Charger $376 $626 $466 $1,668
2019 Dodge Charger $358 $600 $488 $1,646
2018 Dodge Charger $344 $596 $498 $1,638
2017 Dodge Charger $332 $582 $520 $1,634
2016 Dodge Charger $320 $558 $536 $1,614
2015 Dodge Charger $304 $538 $554 $1,596
2014 Dodge Charger $292 $500 $564 $1,556
2013 Dodge Charger $280 $470 $570 $1,520
2012 Dodge Charger $268 $422 $574 $1,464
2011 Dodge Charger $250 $388 $574 $1,412
2010 Dodge Charger $242 $364 $580 $1,386
2009 Dodge Charger $236 $340 $592 $1,368
2008 Dodge Charger $218 $316 $592 $1,326
2007 Dodge Charger $212 $286 $596 $1,294
2006 Dodge Charger $198 $262 $592 $1,252

Rates are averaged for all Dodge Charger models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy Cheaper Dodge Charger Insurance

Saving money on insurance for a Dodge Charger takes being safe and accident-free, having a good credit score, not filing small claims, and qualifying for all possible discounts. Make time to compare rates at least once a year by getting quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.

Below you'll find a condensed summary of the primary concepts that were touched on in this article.

  • You may be able to save up to $200 per year simply by quoting early and online
  • Drivers considered higher risk with multiple at-fault accidents may pay on average $1,910 more every year than a low-risk driver
  • Increasing deductibles could save up to $675 each year
  • Youthful drivers are the costliest to insure, as much as $512 per month if comprehensive and collision insurance is included

A common questions we receive are: “How much is Dodge Charger insurance cost for a 16 year old?” or “How much is Dodge Charger insurance cost for a 18 year old?” or “How much is Dodge Charger insurance cost for a 19 year old?”

As a reminder, the cost with full coverage for a 16-year-old driver can be $6,146 each year. Dodge Charger insurance rates will drop by almost 40 percent by the time your teenager reaches 20, so you can expect about a 9 to 10 percent saving annual with a good driving record.

Dodge Charger insurance classification is a sports car which is why the rates are higher. Most car insurance companies will provide coverage including State Farm insurance for your Dodge Charger.

Are Dodge Chargers expensive to insure? Not necessarily. Shopping for rates will help you find cheaper prices on everything from Dodge Charger SXT insurance costs to Dodge Charger RT insurance rates.

Ready to find out how much is insurance on a Dodge Charger RT, SXT, and other builds? Enter your ZIP code in our free tool below to compare Dodge Challenger insurance cost and quotes.

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What are the safety ratings of the Dodge Charger?

The Dodge Charger has some great safety features, which can help lower the cost of insurance. Some of the safety features include multiple airbags, brake assist, blind-spot monitor, lane departure warning, lane-keeping assist, and cross-traffic alert.

Good safety ratings can also keep costs low. The Insurance Institute for Highway Safety (IIHS) crash-tested the 2020 Dodge Charger and gave it the following ratings:

  • Small overlap front (driver-side): Marginal
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints and seats: Good

Watch the video below to see one of the IIHS’s crash tests on the Dodge Charger.

Dodge Charger Compared Against Other Vehicles in the Same Class

The Dodge Charger is a large car, which could mean higher liability rates. The IIHS found that the liability losses for the Dodge Charger were worse than average or substantially worse than average. Take a look at the large cars below to see how their rates compare to the Dodge Charger.

To start comparing Dodge Charger insurance rates, enter your ZIP code in our free tool.

References

  1. https://www.iihs.org/ratings/vehicle/dodge/charger-4-door-sedan/2020

Rates by Driver Age

Dodge Charger Insurance Rates by Driver Age
Driver Age Premium
16 $6,146
20 $3,814
30 $1,738
40 $1,668
50 $1,518
60 $1,488

Full coverage, $500 deductibles

Rates by Deductible

Dodge Charger Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,108
$250 $1,904
$500 $1,668
$1,000 $1,440

Full coverage, driver age 40

Rates by Liability Limit

Dodge Charger Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,668
50/100 $1,895
100/300 $2,012
250/500 $2,315
100 CSL $1,942
300 CSL $2,198
500 CSL $2,385

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Charger Insurance Rates for High Risk Drivers
Age Premium
16 $8,762
20 $6,056
30 $3,660
40 $3,580
50 $3,412
60 $3,378

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $227

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $88
Multi-vehicle $85
Homeowner $24
5-yr Accident Free $121
5-yr Claim Free $106
Paid in Full/EFT $75
Advance Quote $81
Online Quote $117
Total Discounts $697
Rate after discounts $971

Discounts are estimated and may not be available from every company or in every state.

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