Dodge Charger Insurance Rates

Estimated insurance prices for a Dodge Charger are $1,634 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $332, collision costs $582, and liability coverage costs around $520. A liability-only policy costs as low as $592 a year, with high-risk insurance costing $3,528 or more. Teens pay the most at $6,168 a year or more.

Average premium for full coverage: $1,634

Premium estimates by type of coverage:

Includes $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for all Charger models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than cities with more traffic congestion.

The example below illustrates how geographic area affects auto insurance prices.

These rate differences illustrate why everyone should compare prices using their specific location and their own driving history, rather than using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $949
• Using higher $1,000 deductibles will save $208 each year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,634
• Selecting pricier low deductibles for physical damage coverage costs an extra $402 each year
• Higher-risk drivers with serious driving violations could pay around $3,528 or more
• An auto insurance policy to insure a teenage driver for full coverage can cost $6,168 or more

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Auto 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.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $610 a year, whereas buying more liability protection will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $468 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have 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 $2,700 in extra premium annually, depending on your age. Dodge Charger insurance for high-risk drivers can be around 44% to 130% more than the average policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Dodge Charger insurance rates. A driver around age 40 might see prices as low as $1,070 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,200 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 regularly compare prices and see how they stack up. Each insurance company calculates prices differently, and quoted 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 the Cheapest Dodge Charger Insurance

Finding better rates on auto insurance requires being a good driver, having a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Invest the time to compare rates every couple of years by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The following list is a recap of the material that was presented in the illustrations above.

• Consumers who purchase an increased level of liability coverage will pay approximately $570 annually to increase from 30/60 bodily injury limits to a 250/500 level
• Drivers age 16 to 20 have the highest car insurance prices, with premiums being up to $514 per month if comprehensive and collision insurance is included
• Drivers that have major violations or accidents may have to pay on average $1,890 more per year than a safer driver
• Increasing policy deductibles could save as much as $600 each year