Dodge Charger Insurance Rates

U.S. average insurance rates for a Dodge Charger are $1,614 a year for full coverage insurance. Comprehensive costs around $320 a year, collision costs $558, and liability costs around $536. Liability-only coverage costs as low as $606 a year, with high-risk coverage costing around $3,488. Teens pay the highest rates at $6,134 a year or more.

Average premium for full coverage: $1,614

Price estimates for individual coverage:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and Charger trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects auto insurance rates.

The ranges above illustrate why it is important to compare prices for a specific zip code and risk profile, instead of making a decision based on averaged prices.

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

Rate Comparisons

The chart below illustrates estimated Dodge Charger insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $940
• Using higher $1,000 deductibles will save about $1,414 each year
• The average rate for the average middle-age driver using $500 deductibles is $1,614
• Selecting low $100 deductibles for physical damage coverage will increase the cost to $2,000
• High-risk insureds with serious driving violations could pay at least $3,488 or more
• The price for full coverage for a 16-year-old driver can be $6,134 or more

View Chart as Image

Auto insurance prices for a Dodge Charger are also quite variable based on your driving record, the model year and trim level, and deductibles and policy limits.

Older drivers with a good driving record and high deductibles may pay as low as $1,500 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay as much as $6,100 a year. View Rates by Age

The state you live in has a huge impact on Dodge Charger insurance prices. A driver around age 40 might see prices as low as $1,050 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,180 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $590 annually, while buying higher liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $483 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,900 to $2,600 in extra premium each year, depending on your age. A high-risk auto insurance policy can be from 42% to 132% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out your exact price is to get quotes from multiple companies. Each insurance company calculates prices differently, and quoted prices may be quite different from one company to the next.

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

Getting lower rates on insurance for a Dodge Charger requires avoiding accidents and claims, having good credit, not filing small claims, and maximizing policy discounts. Invest the time to compare rates every year by requesting rates from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The points below are a brief review of the coverage data presented in the illustrations above.

• It is possible to save up to $190 per year simply by quoting early and online
• Increasing physical damage deductibles can save around $575 each year
• Drivers under the age of 20 are expensive to insure, as much as $511 a month if they have full coverage
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,870 more every year to insure a Dodge Charger