Dodge Charger Insurance Rates

Average insurance rates for a Dodge Charger are $1,614 a year for full coverage insurance. Comprehensive insurance costs approximately $320 each year, collision costs $558, and liability is estimated at $536. Liability-only coverage costs approximately $606 a year, with high-risk coverage costing $3,488 or more. 16-year-old 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:

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

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than congested cities.

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

These examples illustrate why all drivers should get quotes using their specific location and risk profile, instead of using rate averages.

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

More Rate Information

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

• The best full coverage rate is $940
• Choosing higher $1,000 deductibles can save $200 each year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,614
• Buying low deductibles for comp and collision coverage will cost an extra $386 every year
• Unlucky drivers with multiple tickets or accidents could pay around $3,488 or more
• The cost for full coverage for a teen driver can cost $6,134 each year

View Chart as Image

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

More mature drivers with no driving violations and high deductibles may pay as little as $1,500 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged in the ballpark of $6,100 a year. View Rates by Age

Where you live plays a big part in determining prices for Dodge Charger insurance prices. A good driver about age 40 could pay as low as $1,050 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,180 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $590 every year, whereas increasing liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $483 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,900 to $2,600 extra per year, depending on your age. Insurance for high-risk drivers ranges as much as 42% to 132% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the only way to figure out who has the best car insurance rates is to do a rate comparison and see which company has the best rate. Each auto insurer utilizes a different rate formula, so rate quotes 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 Cheap Dodge Charger Insurance

Saving money on car insurance takes avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and avoiding coverage lapses. Take the time to compare rates at least every other year by getting rate quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The points below are a brief summary of the car insurance concepts covered in the above illustrations.

• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,870 more per year to insure a Dodge Charger
• It is possible to save around $190 per year simply by quoting online in advance
• Increasing deductibles can save around $575 each year
• Policyholders who purchase increased liability limits will pay around $590 annually to raise limits from a minimum limit to 250/500 limits