Dodge Charger Insurance Rates

Estimated auto insurance rates for a Dodge Charger are $1,614 annually for full coverage. Comprehensive costs approximately $320 a year, collision costs $558, and liability is $536. Liability-only coverage costs around $606 a year, with high-risk coverage costing around $3,488. Teenage drivers pay the most at $6,134 a year or more.

Average premium for full coverage: $1,614

Premium estimates by type of coverage:

Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all states and Charger trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are statistically proven to have fewer accident claims than densely populated cities.

The diagram below illustrates how location helps determine auto insurance prices.

These rate differences show why it is important to compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on average rates.

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

More Rate Details

The chart below shows estimated Dodge Charger insurance rates for additional coverage and risk scenarios.

• The best discount rate is $940
• Raising to $1,000 deductibles will save $1,414 a year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,614
• Using low $100 deductibles will cost $2,000
• Drivers who are prone to accidents and violations could pay around $3,488 or more
• An auto insurance policy with full coverage for a 16-year-old driver can cost $6,134

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Insurance prices for a Dodge Charger also have a wide range based on the model of your Charger, your driver profile, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,500 every 12 months on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $6,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying anywhere from $1,900 to $2,600 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $590 annually, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $483 more per year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Dodge Charger insurance prices. A middle-age driver might find prices as low as $1,070 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,300 on average in New York, Louisiana, and Michigan.

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With such a large range in prices, the only way to know who has the cheapest car insurance prices is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate prices, so the prices will be substantially different between companies.

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 Buy the Best Cheap Dodge Charger Insurance

Finding better rates on insurance for a Dodge Charger consists of being a good driver, having a good credit history, not filing small claims, and maximizing policy discounts. Invest time comparing rates at every other renewal by requesting rates from direct carriers, and also from several local insurance agents.

The following list is a quick review of the concepts that were covered in the charts and tables above.

• Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,870 more per year than a safer driver
• Drivers age 16 to 20 are expensive to insure, as much as $511 per month including comprehensive and collision insurance
• Drivers can save around $190 per year simply by quoting early and online
• Increasing policy deductibles could save up to $575 each year
• Drivers can save around $190 per year simply by quoting early and online