Dodge Charger Insurance Rates

The average insurance rates for a Dodge Charger are $1,614 a year for full coverage insurance. Comprehensive insurance costs an estimated $320, collision insurance costs $558, and liability costs $536. Liability-only insurance costs as little as $606 a year, and high-risk driver insurance costs $3,488 or more. Teenage drivers cost the most to insure at up to $6,134 a year.

Average premium for full coverage: $1,614

Policy rates broken down by type of insurance:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for all Charger models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than densely populated cities. The example below illustrates the difference between rural and urban areas on insurance prices.

The examples above illustrate why everyone should compare rates for a targeted area, instead of using average rates.

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

Additional Rate Information

The chart below illustrates average Dodge Charger insurance rates for other coverage scenarios.

• The best discount rate is $940
• Drivers who choose higher $1,000 deductibles will pay approximately $200 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,614
• Using pricier low deductibles for comprehensive and collision insurance will cost an additional $386 every year
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,488
• Policy cost that insures a teen driver for full coverage can cost as much as $6,134 a year

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Auto insurance rates for a Dodge Charger also range considerably based on the model of your Charger, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,900 to $2,600 in extra premium every year, depending on your age. Dodge Charger insurance for high-risk drivers can cost as much as 42% to 132% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay at least $6,100 a year. View Rates by Age

Your home state makes a big difference in Dodge Charger insurance prices. A 40-year-old driver could pay as low as $1,050 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,180 on average in Florida, New York, and Michigan.

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Using high physical damage deductibles could save up to $590 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $483 extra every 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 Cheap Dodge Charger Insurance

Finding cheaper rates on car insurance not only requires being safe and accident-free, but also maintaining a good credit score, being claim-free, and consideration of higher deductibles. Compare prices at least every other year by getting rate quotes from direct insurance companies, and also from local insurance agencies.

Below you'll find a brief summary of the car insurance concepts covered above.

• Higher risk drivers that tend to have accidents or serious violations may have to pay on average $1,870 more annually than a low-risk driver
• It is possible to save approximately $190 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $575 each year
• Policyholders who want more liability protection will pay an extra $590 annually to go from a 30/60 limit to the 250/500 level