Dodge Charger Insurance Rates

Average auto insurance rates for a Dodge Charger are $1,614 annually with full coverage. Comprehensive costs approximately $320, collision costs $558, and liability costs $536. A policy with just liability insurance costs as little as $606 a year, with coverage for high-risk drivers costing around $3,488. Teenage 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 deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and for different Charger trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on the price of insurance. Rural locations tend to have fewer collision claims than densely populated cities.

The price range example below illustrates the effect of geographic area on auto insurance prices.

These examples demonstrate why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, instead of using average rates.

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

Additional Rate Information

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

• The best discount rate is $940
• Drivers who choose higher $1,000 deductibles will pay $200 annually
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,614
• Using more expensive low deductibles for comprehensive and collision insurance will cost $2,000
• Higher-risk drivers who are prone to accidents and violations could pay around $3,488 or more
• The cost with full coverage for a teen driver with full coverage can cost $6,134 a year

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Insurance rates for a Dodge Charger can also vary considerably based on the trim level of your Charger, your driving record, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,500 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $6,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,900 to $2,600 additional per year, depending on your age. High-risk driver insurance can cost as much as 42% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $590 every year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $483 more each year. View Rates by Deductible or Liability Limit

Where you live 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 be forced to pay as much as $2,180 on average in New York, Michigan, and Florida.

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With so much variability in rates, 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 uses a different method to calculate rates, and rates can be significantly different between companies.

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 Buy Cheap Dodge Charger Insurance

Saving money on car insurance not only requires not taking risks behind the wheel, but also having good credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates at every policy renewal by requesting quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following is a brief summary of the data covered in the above illustrations.

• Policyholders who purchase higher liability limits will pay an extra $590 every year to go from a minimum limit to higher 250/500 limits
• You may be able to save around $190 per year simply by shopping early and online
• Increasing deductibles could save up to $575 each year
• Teens are the costliest to insure, with premiums as much as $511 per month if they have full coverage