Dodge Charger Insurance Rates

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

Average premium for full coverage: $1,614

Price estimates for individual coverage:

Rate estimates include $500 deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist 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 has a large influence on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than densely populated cities.

The price range example below illustrates the difference location can make on auto insurance rates.

The ranges above highlight why anyone shopping for car insurance should compare rates for a specific zip code, rather than using average rates.

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

More Rate Information

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

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

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Auto insurance prices for a Dodge Charger are also quite variable based on the model year and trim level, your driving record and age, and deductibles and policy limits.

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

An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,500 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay as much as $6,100 a year. View Rates by Age

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

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

Since prices can be so different, the best way to figure out your exact price is to compare prices and see how they stack up. Every company uses a different method to calculate prices, and quoted prices may be quite different.

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 the Best Dodge Charger Insurance

Getting lower rates on auto insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, being claim-free, and maximizing policy discounts. Compare prices every year by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The following is a brief recap of the coverage data touched on in this article.

• You may be able to save up to $190 per year simply by shopping early and online
• Increasing physical damage deductibles can save approximately $575 each year
• Teens are expensive to insure, possibly costing $511 a month if the policy includes full coverage
• Drivers who tend to receive serious violations may have to pay on average $1,870 more every year for Charger insurance