Dodge Charger Insurance Rates

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

Average premium for full coverage: $1,614

Rate estimates for individual coverage type:

These estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and Charger trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on auto insurance rates. Areas with sparse population tend to have lower incidents of accident claims than cities with more traffic congestion. The diagram below illustrates how location helps determine auto insurance rates.

These examples show why it is important to compare prices for a specific zip code, instead of making a decision based on averaged prices.

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

Rate Comparisons

The chart below shows average Dodge Charger insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $940
• Using higher $1,000 deductibles will save about $1,414 a year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,614
• Selecting low $100 deductibles for physical damage coverage will cost an additional $386 annually
• High-risk insureds with serious driving violations could pay at least $3,488
• The cost that insures a 16-year-old driver can be $6,134 or more

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Insurance rates for a Dodge Charger can also vary considerably based on the trim level of your Charger, how you drive, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you could be paying at least $1,900 to $2,600 additional per year, depending on your age. A high-risk auto insurance policy can be from 42% to 132% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,500 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $6,100 a year. View Rates by Age

Where you live has a huge impact on Dodge Charger insurance prices. A driver around age 40 might see rates as low as $1,070 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,300 on average in Michigan, Louisiana, and New York.

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Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $590 annually, while buying higher liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $483 more each 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

Saving money on insurance for a Dodge Charger requires being safe and accident-free, having a good credit score, eliminating unneeded coverage, and deciding if full coverage is necessary. Compare rates once a year by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a brief summary of the data that was covered in the charts and tables above.

• Drivers can save up to $190 per year just by quoting early and online
• Insureds who may need more liability protection will pay approximately $590 each year to increase from a minimum limit to the 250/500 level
• Youthful drivers are charged the highest rates, costing as high as $511 per month if comprehensive and collision insurance is included
• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,870 more every year than a low-risk driver