Dodge Charger Insurance Rates

U.S. average insurance rates for a Dodge Charger are $1,614 a year for full coverage. Comprehensive costs approximately $320 a year, collision costs $558, and liability insurance is $536. A policy with just liability insurance costs around $606 a year, with coverage for high-risk drivers costing around $3,488. 16-year-old drivers pay the highest rates at $6,134 a year or more.

Average premium for full coverage: $1,614

Price estimates by individual coverage:

Prices include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and Charger trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural locations have a lower frequency of accident claims than congested cities.

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

The ranges above show why it is important to compare rates quotes using their specific location and risk profile, rather than relying on rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $940
• Raising to $1,000 deductibles will save $1,414 a year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,614
• Buying low $100 deductibles will increase the cost to $2,000
• Higher-risk drivers with multiple tickets or accidents could pay around $3,488 or more
• The price for full coverage for a teen driver can cost $6,134

View Chart as Image

Insurance prices for a Dodge Charger are also quite variable based on your driving record, the trim level of your Charger, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles could pay as little as $1,500 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay in the ballpark of $6,100 a year. View Rates by Age

The state you live in also has a big influence on Dodge Charger insurance rates. A middle-age driver might find prices as low as $1,070 a year in states like Iowa, Maine, and Idaho, or at least $2,300 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $590 each year, while buying higher liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $483 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,900 to $2,600 extra each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 132% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the prices may be quite 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 Right Dodge Charger Insurance

Getting lower rates on Dodge Charger insurance consists of avoiding accidents and violations, maintaining good credit, eliminating unnecessary coverage, and maximizing policy discounts. Take the time to compare rates at every policy renewal by requesting rates from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The list below is a quick rundown of the data covered in the above illustrations.

• Drivers who purchase higher liability limits will pay around $590 each year to raise from a low limit to 250/500 limits
• Drivers can save around $190 per year simply by quoting early and online
• Increasing physical damage deductibles can save around $575 each year
• Teenagers are expensive to insure, with premiums as much as $511 a month for full coverage