Dodge Charger Insurance Rates

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

Average premium for full coverage: $1,614

Premium estimates by type of coverage:

Prices are based on $500 deductible amounts, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and for different Charger trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than congested cities.

The price range example below illustrates how geographic area affects car insurance rates.

These rate differences show why anyone shopping for car insurance should compare rates quotes based on a specific location, instead of using rate averages.

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

Additional Rate Details

The chart below shows estimated Dodge Charger insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $940
• Raising to $1,000 deductibles will save around $200 a year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,614
• Buying more expensive low deductibles bumps up the cost to $2,000
• At-risk drivers with multiple tickets or accidents could pay upwards of $3,488 or more
• An auto insurance policy that insures a teen driver with full coverage may cost $6,134

View Chart as Image

Auto insurance prices for a Dodge Charger also have a wide range based on the model year and trim level, how you drive, and policy deductibles and limits.

If you have a few violations or you caused an accident, you could be paying at a minimum $1,900 to $2,600 in extra premium annually, depending on your age. High-risk driver insurance is expensive and can cost as much as 42% to 132% more than the average rate. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay upwards of $6,100 a year. View Rates by Age

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

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $590 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $483 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know exactly what you will pay is to compare prices and see which company has the best price. Every auto insurance company utilizes a different rate formula, and quoted prices will be substantially different.

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 Affordable Dodge Charger Insurance

Finding better rates on car insurance consists of having a good driving record, maintaining a good credit score, not filing small claims, and taking advantage of discounts. Comparison shop every time your policy renews by getting quotes from direct carriers, and also from local exclusive and independent agents.

The next list is a brief review of the information presented in the illustrations above.

• Drivers can save as much as $190 per year simply by shopping early and online
• Drivers age 20 and younger are charged the highest prices, as much as $511 per month if the policy includes full coverage
• Increasing policy deductibles can save approximately $575 each year
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,870 more each year to buy Dodge Charger insurance
• Policyholders who require increased levels of liability coverage will pay around $590 each year to raise from 30/60 bodily injury limits to the 250/500 level