Dodge Charger Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 8, 2024
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Average insurance rates for a Dodge Charger are $1,614 a year with full coverage. Comprehensive insurance costs around $320, collision insurance costs $558, and liability insurance is $536. Buying just liability costs around $606 a year, and insurance for high-risk drivers costs $3,488 or more. Teens receive the highest rates at up to $6,134 a year.
Average premium for full coverage: $1,614
Rate estimates for individual coverage type:
Prices are based on $500 deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and for all Charger models.
Price Range by Coverage and Risk
For the normal driver, prices range range from the low end price of $606 for your basic liability-only policy to the much higher price of $3,488 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than cities with more traffic congestion. The example below illustrates how geographic area affects auto insurance rates.
These examples demonstrate why everyone should compare rates quotes for a specific zip code, rather than relying on averaged prices.
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.
More Rate Information
The chart below details average Dodge Charger insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $940
- Raising to $1,000 deductibles will save about $200 annually
- The estimated price for a 40-year-old driver using $500 deductibles is $1,614
- Selecting pricier low deductibles will cost an additional $386 a year
- Higher-risk drivers with serious driving violations could pay at least $3,488
- The cost that insures a teen driver for full coverage can be $6,134
Auto insurance rates for a Dodge Charger can also vary considerably based on the model of your Charger, your age and driving habits, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you may be forking out at least $1,900 to $2,600 in extra premium per year, depending on your age. Dodge Charger insurance for high-risk drivers is expensive and can cost anywhere from 42% to 132% more than the average policy. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,500 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay as much as $6,100 a year. View Rates by Age
Where you live also has a big influence on Dodge Charger insurance rates. A middle-age driver might find rates as low as $1,160 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,180 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,458 | -$156 | -9.7% |
| Alaska | $1,238 | -$376 | -23.3% |
| Arizona | $1,338 | -$276 | -17.1% |
| Arkansas | $1,614 | -$0 | 0.0% |
| California | $1,840 | $226 | 14.0% |
| Colorado | $1,540 | -$74 | -4.6% |
| Connecticut | $1,658 | $44 | 2.7% |
| Delaware | $1,828 | $214 | 13.3% |
| Florida | $2,016 | $402 | 24.9% |
| Georgia | $1,488 | -$126 | -7.8% |
| Hawaii | $1,158 | -$456 | -28.3% |
| Idaho | $1,096 | -$518 | -32.1% |
| Illinois | $1,204 | -$410 | -25.4% |
| Indiana | $1,216 | -$398 | -24.7% |
| Iowa | $1,090 | -$524 | -32.5% |
| Kansas | $1,532 | -$82 | -5.1% |
| Kentucky | $2,200 | $586 | 36.3% |
| Louisiana | $2,390 | $776 | 48.1% |
| Maine | $998 | -$616 | -38.2% |
| Maryland | $1,330 | -$284 | -17.6% |
| Massachusetts | $1,288 | -$326 | -20.2% |
| Michigan | $2,802 | $1,188 | 73.6% |
| Minnesota | $1,350 | -$264 | -16.4% |
| Mississippi | $1,932 | $318 | 19.7% |
| Missouri | $1,430 | -$184 | -11.4% |
| Montana | $1,732 | $118 | 7.3% |
| Nebraska | $1,270 | -$344 | -21.3% |
| Nevada | $1,934 | $320 | 19.8% |
| New Hampshire | $1,162 | -$452 | -28.0% |
| New Jersey | $1,802 | $188 | 11.6% |
| New Mexico | $1,430 | -$184 | -11.4% |
| New York | $1,696 | $82 | 5.1% |
| North Carolina | $926 | -$688 | -42.6% |
| North Dakota | $1,322 | -$292 | -18.1% |
| Ohio | $1,114 | -$500 | -31.0% |
| Oklahoma | $1,656 | $42 | 2.6% |
| Oregon | $1,478 | -$136 | -8.4% |
| Pennsylvania | $1,540 | -$74 | -4.6% |
| Rhode Island | $2,154 | $540 | 33.5% |
| South Carolina | $1,460 | -$154 | -9.5% |
| South Dakota | $1,360 | -$254 | -15.7% |
| Tennessee | $1,412 | -$202 | -12.5% |
| Texas | $1,944 | $330 | 20.4% |
| Utah | $1,196 | -$418 | -25.9% |
| Vermont | $1,102 | -$512 | -31.7% |
| Virginia | $966 | -$648 | -40.1% |
| Washington | $1,246 | -$368 | -22.8% |
| West Virginia | $1,480 | -$134 | -8.3% |
| Wisconsin | $1,118 | -$496 | -30.7% |
| Wyoming | $1,438 | -$176 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $590 each year, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $483 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Charger 3.5 | $1,576 | $131 |
| Dodge Charger | $1,576 | $131 |
| Dodge Charger 3.5 AWD | $1,614 | $135 |
| Dodge Charger AWD | $1,614 | $135 |
| Dodge Charger Rallye | $1,614 | $135 |
| Dodge Charger SXT | $1,614 | $135 |
| Dodge Charger SXT AWD | $1,614 | $135 |
| Dodge Charger R/T | $1,654 | $138 |
| Dodge Charger Rallye AWD | $1,654 | $138 |
| Dodge Charger R/T AWD | $1,692 | $141 |
| Dodge Charger SRT-8 | $1,732 | $144 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Dodge Charger | $332 | $582 | $520 | $1,634 |
| 2022 Dodge Charger | $320 | $558 | $536 | $1,614 |
| 2021 Dodge Charger | $304 | $538 | $554 | $1,596 |
| 2020 Dodge Charger | $292 | $500 | $564 | $1,556 |
| 2019 Dodge Charger | $280 | $470 | $570 | $1,520 |
| 2018 Dodge Charger | $268 | $422 | $574 | $1,464 |
| 2017 Dodge Charger | $250 | $388 | $574 | $1,412 |
| 2016 Dodge Charger | $242 | $364 | $580 | $1,386 |
| 2015 Dodge Charger | $236 | $340 | $592 | $1,368 |
| 2014 Dodge Charger | $218 | $316 | $592 | $1,326 |
| 2013 Dodge Charger | $212 | $286 | $596 | $1,294 |
| 2012 Dodge Charger | $198 | $262 | $592 | $1,252 |
| 2011 Dodge Charger | $186 | $238 | $592 | $1,216 |
| 2010 Dodge Charger | $180 | $214 | $586 | $1,180 |
| 2009 Dodge Charger | $178 | $208 | $574 | $1,160 |
| 2008 Dodge Charger | $176 | $198 | $564 | $1,138 |
| 2007 Dodge Charger | $160 | $190 | $558 | $1,108 |
| 2006 Dodge Charger | $154 | $180 | $554 | $1,088 |
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 Find Affordable Dodge Charger Insurance
Saving money on Dodge Charger insurance consists of not taking risks behind the wheel, maintaining a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Compare rates every time your policy renews by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following is a brief review of the information presented in the illustrations above.
- You may be able to save up to $190 per year just by quoting online well ahead of the renewal date
- Teens are expensive to insure, with premiums as much as $511 per month if the policy includes full coverage
- Increasing deductibles can save approximately $575 each year
- High-risk drivers with DUI or reckless driving convictions may pay on average $1,870 more every year for Charger insurance
- Drivers who may need higher liability limits will pay approximately $590 every year to raise from a minimum limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,134 |
| 20 | $3,718 |
| 30 | $1,670 |
| 40 | $1,614 |
| 50 | $1,474 |
| 60 | $1,444 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,000 |
| $250 | $1,822 |
| $500 | $1,614 |
| $1,000 | $1,414 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,614 |
| 50/100 | $1,839 |
| 100/300 | $1,973 |
| 250/500 | $2,322 |
| 100 CSL | $1,893 |
| 300 CSL | $2,188 |
| 500 CSL | $2,402 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,730 |
| 20 | $5,918 |
| 30 | $3,554 |
| 40 | $3,488 |
| 50 | $3,332 |
| 60 | $3,298 |
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 | $85 |
| Multi-vehicle | $85 |
| Homeowner | $25 |
| 5-yr Accident Free | $114 |
| 5-yr Claim Free | $104 |
| Paid in Full/EFT | $70 |
| Advance Quote | $78 |
| Online Quote | $113 |
| Total Discounts | $674 |
Discounts are estimated and may not be available from every company or in every state.
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