Dodge Charger Insurance Rates

U.S. average insurance rates for a Dodge Charger are $1,614 a year including full coverage. Comprehensive costs on average $320 a year, collision insurance costs $558, and liability coverage costs around $536. Buying just liability costs as low as $606 a year, and insurance for high-risk drivers costs around $3,488. Teenage drivers pay the highest rates at up to $6,134 a year.

Average premium for full coverage: $1,614

Price estimates by individual coverage:

Includes $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Charger trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates how location impacts car insurance rates.

The ranges above highlight why it is important to compare prices based on a specific location, rather than using average rates.

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

Rate Comparisons

The chart below breaks down average Dodge Charger insurance rates for different risk profiles and scenarios.

• The best discount rate is $940
• Using higher $1,000 deductibles will save around $1,414 every year
• The estimated price for the average middle-age driver with $500 deductibles is $1,614
• Using low $100 deductibles for physical damage coverage bumps up the cost to $2,000
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,488
• The price that insures a teenage driver may cost $6,134 or more

View Chart as Image

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

If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,900 to $2,600 additional each year, depending on your age. A high-risk auto insurance policy can be around 42% to 132% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,500 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $6,100 a year. View Rates by Age

The state you live in has a huge impact on Dodge Charger insurance rates. A driver around age 40 might see prices 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.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $590 a year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $483 more each year. View Rates by Deductible or Liability Limit

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 Cheapest Dodge Charger Insurance

Getting lower rates on auto insurance requires being a safe and courteous driver, having a good credit score, being claim-free, and dropping full coverage on older vehicles. Compare prices every other policy renewal by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

Below is a recap of the ideas that were touched on above.

• Teenage drivers pay higher prices, possibly costing $511 a month if comprehensive and collision insurance is included
• Drivers that have major violations or accidents could be forced to pay on average $1,870 more each year for auto insurance
• Increasing physical damage deductibles can save approximately $575 each year
• You may be able to save as much as $190 per year just by quoting early and online