Dodge Charger Insurance Rates

Estimated auto insurance rates for a Dodge Charger are $1,634 annually including full coverage. Comprehensive costs an estimated $332 each year, collision costs $582, and liability insurance costs around $520. A liability-only policy costs as low as $592 a year, with high-risk insurance costing around $3,528. Teenage drivers pay the most at $6,168 a year or more.

Average premium for full coverage: $1,634

Premium estimates broken down by type of coverage:

Estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and Charger models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than densely populated cities.

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

These rate differences highlight why all drivers should compare prices for a targeted area and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Information

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

• The best discount rate is $949
• Using higher $1,000 deductibles will save approximately $208 every year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,634
• Using low deductibles for physical damage coverage will cost $2,036
• Drivers who are prone to accidents and violations could pay up to $3,528 or more
• An auto insurance policy with full coverage for a teen driver can cost as much as $6,168 or more

View Chart as Image

Auto insurance prices for a Dodge Charger also have a wide range based on the model of your Charger, your driving characteristics, and liability limits and deductibles.

More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,500 a year, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay at least $6,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying $1,900 to $2,700 in extra premium annually, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates

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

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 $1,250 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,330 on average in Louisiana, New York, and Michigan.

View Chart as Image

With such a large range in prices, the best way to figure out which insurance company is cheapest is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate prices, and quoted prices 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 Low Cost Dodge Charger Insurance

Finding better rates on Dodge Charger insurance requires being safe and accident-free, having above-average credit, refrain from filing small claims, and qualifying for all possible discounts. Take the time to compare rates at every other renewal by obtaining price quotes from direct car insurance companies, and also from insurance agencies where you live.

Below you'll find a review of the concepts that were covered in the above illustrations.

• High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,890 more annually than a low-risk driver
• Youthful drivers are the costliest to insure, with the cost nearing $514 per month if full coverage is included
• You may be able to save approximately $190 per year simply by quoting online in advance
• Increasing policy deductibles could save up to $600 each year
• You may be able to save approximately $190 per year simply by quoting online in advance