Dodge Charger Insurance Rates

U.S. average insurance rates for a Dodge Charger are $1,634 a year with full coverage. Comprehensive insurance costs an estimated $332 each year, collision costs $582, and liability coverage costs $520. Liability-only insurance costs as little as $592 a year, with high-risk driver insurance costing $3,528 or more. Teenage drivers pay the highest rates at $6,168 a year or more.

Average premium for full coverage: $1,634

Price estimates broken down by individual coverage:

Rates are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and Charger models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. More rural locations have lower incidents of collision claims than densely populated cities.

The graphic below illustrates the effect of geographic area on insurance prices.

The ranges above demonstrate why all drivers should compare rates for a targeted area, rather than using average rates.

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

Additional Rate Information

The chart below details estimated Dodge Charger insurance rates for other coverage scenarios.

• The best discount rate is $949
• Drivers who choose higher $1,000 deductibles will pay approximately $208 annually
• The estimated price for the average middle-age driver who has $500 deductibles is $1,634
• Using low deductibles for comprehensive and collision insurance will cost an additional $402 each year
• High-risk insureds who are prone to accidents and violations could pay up to $3,528 or more
• The price that insures a teenage driver can cost as much as $6,168 a year

View Chart as Image

Car insurance prices for a Dodge Charger are also quite variable based on the trim level and model year, your age and driving habits, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you may be forking out $1,900 to $2,700 extra each year, depending on your age. Insurance for high-risk drivers can cost around 44% to 130% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,500 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged at least $6,100 a year. View Rates by Age

The state you live in makes a big difference in Dodge Charger insurance rates. A 40-year-old driver could pay as low as $1,180 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,200 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $610 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out which car insurance is cheapest is to do a rate comparison and see how they stack up. Every company uses a different method to calculate prices, so rate quotes may be quite 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 Find the Best Cheap Dodge Charger Insurance

Getting lower rates on auto insurance not only requires being a safe and courteous driver, but also having a positive credit history, avoid buying unnecessary coverage, and not having any coverage lapses. Compare prices every time your policy renews by requesting quotes from direct companies, and also from insurance agencies where you live.

Below is a quick review of the information covered in the above illustrations.

• You may be able to save approximately $190 per year simply by quoting online in advance
• Teenage drivers have the highest car insurance prices, costing up to $514 a month if full coverage is purchased
• Increasing physical damage deductibles can save approximately $600 each year
• Drivers with a DUI or reckless driving violation could be forced to pay on average $1,890 more annually for auto insurance
• Consumers who want higher levels of liability will pay an extra $570 every year to go from a low limit to the 250/500 level