Dodge Charger Insurance Rates

U.S. average insurance rates for a Dodge Charger are $1,614 a year including full coverage. Comprehensive insurance costs approximately $320, collision insurance costs $558, and liability costs $536. A policy with just liability insurance costs as little as $606 a year, and coverage for high-risk drivers costs $3,488 or more. Teenage drivers pay the highest rates at up to $6,134 a year.

Average premium for full coverage: $1,614

Price estimates by individual coverage:

Price estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and for different Charger trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than densely populated cities. The price range example below illustrates the effect of geographic area on auto insurance prices.

The ranges above highlight why anyone shopping for car insurance should compare rates using their specific location, instead of using average rates.

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

Rates by State, City, and Model

The chart below breaks down average Dodge Charger insurance rates for additional coverage and risk scenarios.

• The best discount rate is $940
• Drivers who choose higher $1,000 deductibles will pay $200 every year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,614
• Using more expensive low deductibles for comprehensive and collision insurance will cost an additional $386 every year
• Higher-risk drivers who are prone to accidents and violations could pay around $3,488
• The price that insures a teen driver with full coverage can cost $6,134 a year

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Insurance prices for a Dodge Charger are also quite variable based on the model year and trim level, your driving record and age, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,900 to $2,600 extra each year, depending on your age. High-risk driver insurance can cost as much as 42% to 132% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,500 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $6,100 a year. View Rates by Age

The state you live in makes a big difference in Dodge Charger insurance prices. A 40-year-old driver could pay as low as $1,240 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,300 on average in Louisiana, New York, and Michigan.

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Using high physical damage deductibles could save up to $590 every year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $483 more per year. View Rates by Deductible or Liability Limit

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 Cheaper Dodge Charger Insurance

Getting lower rates on car insurance not only requires not taking risks behind the wheel, but also having above-average credit, being claim-free, and possibly raising deductibles. Compare prices at every other renewal by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.

The following is a condensed summary of the concepts that were covered in the above illustrations.

• Higher risk drivers with multiple at-fault accidents will likely pay on average $1,870 more per year for Charger insurance
• Teens are expensive to insure, possibly costing $511 a month if full coverage is included
• You may be able to save around $190 per year just by shopping early and online
• Increasing physical damage deductibles can save approximately $575 each year
• You may be able to save around $190 per year just by shopping early and online