Dodge Charger Insurance Rates

The average auto insurance rates for a Dodge Charger are $1,614 annually including full coverage. Comprehensive costs approximately $320 each year, collision insurance costs $558, and liability insurance costs $536. Liability-only insurance costs as little as $606 a year, and high-risk driver insurance costs around $3,488. Teen drivers cost the most to insure at up to $6,134 a year.

Average premium for full coverage: $1,614

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and Charger models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than larger metro areas. The graphic below illustrates how geographic area affects auto insurance prices.

The examples above highlight why all drivers should compare rates using their specific location and their own personal driving habits, rather than relying on price averages.

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

Additional Rate Details

The chart below breaks down average Dodge Charger insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $940
• Drivers who choose higher $1,000 deductibles will pay $200 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,614
• Choosing low deductibles for comprehensive and collision insurance will cost $2,000
• High risk drivers with multiple violations and an at-fault accident could pay around $3,488
• Policy cost with full coverage for a teen driver can cost $6,134 a year

View Chart as Image

Auto insurance rates for a Dodge Charger also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,500 per year on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $6,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,900 to $2,600 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $590 each year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $483 extra every year. View Rates by Deductible or Liability Limit

Your home state 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 Vermont, New Hampshire, and Missouri, or as much as $2,300 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 Dodge Charger Insurance

Finding cheaper rates on Dodge Charger insurance not only requires being a good driver, but also having above-average credit, paying for small claims out-of-pocket, and possibly higher deductibles. Invest the time to compare rates at least every other year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

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

• High-risk drivers who tend to receive serious violations may have to pay on average $1,870 more per year than a safer driver
• You may be able to save around $190 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $575 each year
• Drivers who purchase an increased level of liability coverage will pay about $590 per year to go from a 30/60 limit to higher 250/500 limits