Dodge Charger Insurance Rates

Estimated 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. Teenage drivers pay the most at $6,134 a year or more.

Average premium for full coverage: $1,614

Premium estimates by type of coverage:

Includes $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and Charger models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than densely populated cities.

The graphic below illustrates how where you live affects auto insurance prices.

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

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

Additional Rate Details

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

• The best discount rate is $940
• Using higher $1,000 deductibles will save $200 a year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,614
• Using low deductibles for physical damage coverage increases the price to $2,000
• High-risk insureds who are prone to accidents and violations could pay around $3,488 or more
• An auto insurance policy to insure a 16-year-old driver can cost $6,134 or more

View Chart as Image

Auto insurance prices for a Dodge Charger also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model of your Charger.

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

More mature drivers with a good driving record and higher deductibles may pay as low as $1,500 a year, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay in the ballpark of $6,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying anywhere from $1,900 to $2,600 in extra premium annually, depending on your age. Insurance for high-risk drivers can be from 42% to 132% more than a normal policy. View High Risk Driver Rates

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

View Chart as Image

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate prices, 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 Shop for the Cheapest Dodge Charger Insurance

Finding better rates on insurance for a Dodge Charger requires being a good driver, having a good credit score, not filing small claims, and not having any coverage lapses. Take the time to comparison shop every couple of years by requesting quotes from direct carriers, and also from your local independent and exclusive agents.

The following list is a recap of the material that was touched on in the above illustrations.

• Insureds who purchase an increased level of liability coverage will pay an extra $590 each year to increase from 30/60 bodily injury limits to a 250/500 level
• Drivers age 16 to 20 have the highest car insurance prices, as much as $511 per month if comprehensive and collision insurance is included
• Drivers considered higher risk that have major violations or accidents may pay on average $1,870 more per year than a safer driver
• Increasing policy deductibles could save as much as $575 each year