Dodge Charger Insurance Rates
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UPDATED: Apr 9, 2020
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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:
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.
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.
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
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.
| 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% |
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
| 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.
| 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $2,108 |
| $250 | $1,904 |
| $500 | $1,668 |
| $1,000 | $1,440 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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