Dodge Charger Insurance Rates

Estimated insurance prices for a Dodge Charger are $1,614 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $320 each year, collision costs $558, and liability coverage costs $536. Liability-only insurance costs as little as $606 a year, with high-risk driver insurance costing $3,488 or more. 16-year-old drivers pay the most at $6,134 a year or more.

Average premium for full coverage: $1,614

Premium estimates by type of coverage:

Estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and Charger models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than congested cities.

The graphic below illustrates the difference location can make on auto insurance prices.

These rate differences illustrate why all drivers should compare rates using their specific location and their own driving history, rather than using rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $940
• Drivers who choose higher $1,000 deductibles will pay $200 each year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,614
• Buying low deductibles for comprehensive and collision insurance costs an extra $386 each year
• High-risk insureds with multiple tickets or accidents could pay around $3,488 or more
• An auto insurance policy to insure a teenage driver can cost $6,134 a year

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

Opting for high physical damage deductibles could save up to $590 a year, whereas increasing liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $483 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $1,500 per year on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $6,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,900 to $2,600 additional annually, depending on your age. Insurance for high-risk drivers can cost around 42% to 132% more than the average rate. View High Risk Driver Rates

Where you choose to live makes a big difference in Dodge Charger insurance rates. A 40-year-old driver could pay as low as $1,050 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,180 on average in Florida, New York, and Michigan.

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With such a large range in prices, the only way to figure out who has the best car insurance prices is to do a rate comparison and see how they stack up. Every company utilizes a different rate formula, and prices will be substantially 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 Shop for Low Cost Dodge Charger Insurance

Finding better rates on auto insurance not only requires avoiding accidents and violations, but also having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Make time to compare rates at every policy renewal by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

The list below is a review of the data touched on in this article.

• Consumers who purchase higher liability limits will pay around $590 annually to go from 30/60 bodily injury limits to a 250/500 level
• It is possible to save around $190 per year simply by quoting online in advance
• Increasing policy deductibles could save as much as $575 each year
• Teenagers are the costliest to insure, with premiums being up to $511 per month if full coverage is included