Dodge Charger Insurance Rates

The average insurance rates for a Dodge Charger are $1,614 a year with full coverage. Comprehensive costs approximately $320, collision costs $558, and liability costs $536. A liability-only policy costs as little as $606 a year, with high-risk insurance costing around $3,488. Teens cost the most to insure at $6,134 a year or more.

Average premium for full coverage: $1,614

Policy rates by type of insurance:

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for different Charger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion.

The price range example below illustrates how rural and urban location affects auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare rates using their specific location and risk profile, instead of using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $940
• Drivers who choose higher $1,000 deductibles will pay $200 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,614
• Selecting more expensive low deductibles for comprehensive and collision insurance will increase the cost to $2,000
• Higher-risk drivers with serious driving violations could pay around $3,488 or more
• Policy cost for full coverage for a teen driver with full coverage can cost $6,134 a year

View Chart as Image

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

An older driver with no driving violations and high 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, where even good drivers will be charged in the ballpark of $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 $1,160 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,180 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $590 every year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $483 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,900 to $2,600 extra every year, depending on your age. High-risk driver insurance can cost as much as 42% to 132% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to compare rates and see which company has the best rate. Every company calculates rates differently, so rate quotes will be varied 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 Best Cheap Dodge Charger Insurance

Finding cheaper rates on car insurance not only requires being safe and accident-free, but also having above-average credit, not filing small claims, and avoiding coverage lapses. Set aside time to shop around every time your policy renews by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a quick review of the information raised in the charts and tables above.

• You may be able to save around $190 per year simply by shopping early and online
• Youthful drivers pay the highest auto insurance rates, as much as $511 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save around $575 each year
• Higher risk drivers with a DUI or reckless driving violation pay on average $1,870 more per year than a low-risk driver
• Policyholders who purchase more liability protection will pay approximately $590 every year to go from a 30/60 limit to 250/500 limits