Dodge Charger Insurance Rates

U.S. average auto insurance rates for a Dodge Charger are $1,614 annually including full coverage. Comprehensive insurance costs approximately $320, collision insurance costs $558, and liability insurance is estimated at $536. Liability-only insurance costs approximately $606 a year, and high-risk driver insurance costs $3,488 or more. Teenage drivers pay the highest rates at up to $6,134 a year.

Average premium for full coverage: $1,614

Price estimates by individual coverage:

Estimates include $500 deductible amounts, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Charger models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance prices. Rural locations have fewer comprehensive and collision claims than densely populated cities. The example below illustrates how location impacts auto insurance prices.

The ranges above highlight why everyone should get quotes using their specific location and their own personal driving habits, rather than relying on average rates.

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

Additional Charts and Tables

The chart below breaks down average Dodge Charger insurance rates for additional coverage and risk scenarios.

• The best discount rate is $940
• Choosing higher $1,000 deductibles can save $200 every year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,614
• Using pricier low deductibles for comp and collision coverage costs an additional $386 a year
• High-risk insureds who are prone to accidents and violations could pay around $3,488
• The price with full coverage for a teen driver for full coverage can cost $6,134 each year

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Car insurance prices for a Dodge Charger are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,500 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged in the ballpark of $6,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,900 to $2,600 extra each year, depending on your age. Dodge Charger insurance for high-risk drivers ranges anywhere from 42% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $590 each year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $483 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Dodge Charger insurance rates. A good driver about age 40 could pay as low as $1,240 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,300 on average in Louisiana, New York, and Michigan.

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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 Low Cost Dodge Charger Insurance

Getting lower rates on Dodge Charger insurance takes having a good driving record, having a good credit score, being claim-free, and attention to physical damage deductibles. Spend time shopping around at every policy renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The next list is a review of the data touched on above.

• Drivers who purchase increased levels of liability coverage will pay an extra $590 per year to raise limits from a low limit to higher 250/500 limits
• You may be able to save around $190 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $575 each year
• Drivers age 20 and younger pay the highest auto insurance prices, possibly costing $511 a month if comprehensive and collision insurance is included