Dodge Charger Insurance Rates

Average insurance rates for a Dodge Charger are $1,614 a year with full coverage. Comprehensive costs approximately $320 a year, collision costs $558, and liability costs $536. A policy with just liability insurance costs as little as $606 a year, with coverage for high-risk drivers costing around $3,488. Teen drivers receive the highest rates at $6,134 a year or more.

Average premium for full coverage: $1,614

Rate estimates by individual coverage type:

Includes $500 deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and Charger trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on the price of insurance. Rural locations tend to have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates how your location can change auto insurance prices.

These examples demonstrate why it is important to compare rates using their specific location and risk profile, instead of using price averages.

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

More Rate Information

The chart below details estimated 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 $1,414 annually
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,614
• Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $2,000
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,488 or more
• The cost for full coverage for a teen driver can cost $6,134 a year

View Chart as Image

Insurance rates for a Dodge Charger can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles may pay as little as $1,500 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay in the ballpark of $6,100 a year. View Rates by Age

Where you live makes a big difference in Dodge Charger insurance prices. A 40-year-old driver could pay as low as $1,160 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,180 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could save up to $590 every year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $483 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,900 to $2,600 additional per year, depending on your age. A high-risk auto insurance policy can cost as much as 42% to 132% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to get quotes and see which company has the best rate. Every company uses a different rate calculation, and rates can be significantly different from one company to the next.

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

Saving money on car insurance not only requires not taking risks behind the wheel, but also having a good credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest the time to shop around at least every other year by getting quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

The following is a recap of the car insurance concepts illustrated above.

• Higher risk drivers that have major violations or accidents pay on average $1,870 more per year for Charger insurance
• You may be able to save around $190 per year simply by quoting early and online
• Increasing deductibles can save around $575 each year
• Policyholders who purchase higher liability limits will pay about $590 every year to go from a minimum limit to 250/500 limits