Dodge Charger Insurance Rates

Estimated auto insurance rates for a Dodge Charger are $1,614 annually with full coverage. Comprehensive insurance costs on average $320 each year, collision costs $558, and liability is estimated at $536. A policy with only liability insurance costs approximately $606 a year, with a high-risk policy 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:

Prices are based on $500 physical damage deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and Charger models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than congested cities.

The graphic below illustrates the difference between rural and urban areas on car insurance rates.

These rate differences demonstrate why all drivers should get quotes based on a specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

Additional Charts and Tables

The chart below details estimated Dodge Charger insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $940
• Choosing higher $1,000 deductibles can save around $200 annually
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,614
• Buying low deductibles for comp and collision coverage costs an additional $386 annually
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,488 or more
• An auto insurance policy with full coverage for a 16-year-old driver may cost $6,134 each year

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Car insurance prices for a Dodge Charger also have a wide range based on the model of your Charger, your driving record, and policy deductibles and limits.

More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,500 annually on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged upwards of $6,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,900 to $2,600 extra annually, depending on your age. Insurance for high-risk drivers ranges from 42% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $590 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $483 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Dodge Charger insurance prices. A good driver about age 40 could pay as low as $1,160 a year in states like New Hampshire, Ohio, and Utah, or at least $2,180 on average in Florida, Michigan, and New York.

View Chart as Image

With such a large range in prices, the best way to find out exactly what you will pay is to do a rate comparison from multiple companies. Each auto insurer utilizes a different rate formula, so rate quotes 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 Affordable Dodge Charger Insurance

Finding better rates on insurance for a Dodge Charger takes being a safe and courteous driver, having a good credit score, being claim-free, and maximizing policy discounts. Set aside time to compare rates once a year by getting quotes from direct companies, and also from local independent and exclusive agents.

Below is a brief review of the data that was covered above.

• You may be able to save as much as $190 per year simply by quoting online in advance
• Insureds who require higher levels of liability will pay around $590 every year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
• Teenage drivers are expensive to insure, possibly costing $511 per month if comprehensive and collision insurance is included
• Drivers considered higher risk with DUI or reckless driving convictions pay an average of $1,870 more each year for auto insurance