Dodge Charger Insurance Rates

Average insurance prices for a Dodge Charger are $1,614 every 12 months for full coverage. Comprehensive costs approximately $320 each year, collision costs $558, and liability costs around $536. A liability-only policy costs as low as $606 a year, with high-risk insurance costing around $3,488. 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 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all states and Charger models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on car insurance rates. Rural locations tend to have more infrequent accident claims than congested cities.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

These examples show why all drivers should compare prices using their specific location and their own driving history, instead of making a decision based on rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $940
• Using higher $1,000 deductibles will save $200 a year
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,614
• Buying low deductibles for physical damage coverage increases the price to $2,000
• High-risk insureds with multiple tickets or accidents could pay around $3,488 or more
• The cost to insure a 16-year-old driver can cost $6,134 or more

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Insurance rates for a Dodge Charger can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your Charger.

Opting for high physical damage deductibles could cut rates by as much as $590 annually, whereas increasing liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $483 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as low as $1,500 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay in the ballpark of $6,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,900 to $2,600 extra per year, depending on your age. Insurance for high-risk drivers can be from 42% to 132% more than the average rate. View High Risk Driver Rates

Where you live has a huge impact on Dodge Charger insurance prices. A driver around age 40 might see rates as low as $1,070 a year in states like Iowa, Maine, and Idaho, or at least $2,300 on average in New York, Louisiana, and Michigan.

View Chart as Image

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to do a rate comparison from multiple companies. Each insurance company utilizes a different rate formula, so the rates can be significantly 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 Shop for Cheap Dodge Charger Insurance

Saving money on insurance for a Dodge Charger requires being safe and accident-free, having good credit, eliminating unneeded coverage, and maximizing policy discounts. Set aside time to compare rates at every other renewal by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a brief summary of the concepts that were covered above.

• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,870 more per year than a low-risk driver
• Youthful drivers are expensive to insure, costing as high as $511 per month if they have full coverage
• Drivers can save around $190 per year simply by quoting online in advance
• Increasing deductibles could save as much as $575 each year
• Drivers can save around $190 per year simply by quoting online in advance