Dodge Charger Insurance Rates

The average insurance rates for a Dodge Charger are $1,634 a year for full coverage insurance. Comprehensive costs around $332 a year, collision costs $582, and liability is $520. A liability-only policy costs around $592 a year, with high-risk insurance costing around $3,528. 16-year-old drivers cost the most to insure at $6,168 a year or more.

Average premium for full coverage: $1,634

Policy rates for type of insurance:

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and Charger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than congested cities.

The diagram below illustrates how geographic area affects auto insurance rates.

The examples above illustrate why it is important to compare rates quotes for a specific zip code, instead of using rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $949
• Raising to $1,000 deductibles will save about $1,426 each year
• The estimated price for a good driver age 40 using $500 deductibles is $1,634
• Buying low $100 deductibles bumps up the cost to $2,036
• At-risk drivers with multiple tickets or accidents could pay at least $3,528 or more
• Policy cost that insures a teen driver can be $6,168

View Chart as Image

Car insurance rates for a Dodge Charger also range considerably based on the trim level of your Charger, your age and driving record, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at least $1,900 to $2,700 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 130% more than the average rate. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged as much as $6,100 a year. View Rates by Age

Your home state also has a big influence on Dodge Charger insurance prices. A middle-age driver might find rates as low as $1,070 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,200 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $610 every year, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out your exact price is to get quotes and see which company has the best rate. Every auto insurance company utilizes a different rate formula, so rate quotes will be varied.

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

Finding cheaper rates on car insurance consists of being a good driver, having a positive credit history, being claim-free, and qualifying for all possible discounts. Comparison shop at least every other year by getting quotes from direct insurance companies, and also from insurance agencies where you live.

The following list is a brief recap of the car insurance concepts presented in the illustrations above.

• Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,890 more every year than a safer driver
• It is possible to save up to $190 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• Policyholders who may need an increased level of liability coverage will pay around $570 annually to raise from a 30/60 limit to the 250/500 level