Dodge Charger Insurance Rates

The average insurance rates for a Dodge Charger are $1,614 a year with full coverage. Comprehensive costs approximately $320 a year, collision costs $558, and liability insurance is $536. Liability-only coverage costs around $606 a year, with high-risk coverage costing around $3,488. Teenage drivers cost the most to insure at $6,134 a year or more.

Average premium for full coverage: $1,614

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Charger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than densely populated cities.

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

The examples above demonstrate why it is important to compare rates quotes using their specific location and risk profile, rather than relying on average rates.

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

Rate Comparisons

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

• The best discount rate is $940
• Raising to $1,000 deductibles will save $1,414 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,614
• Using low $100 deductibles will increase the cost to $2,000
• Higher-risk drivers who are prone to accidents and violations could pay around $3,488 or more
• Policy cost for full coverage for a teen driver can cost $6,134

View Chart as Image

Insurance rates for a Dodge Charger also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles could pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $6,100 a year. View Rates by Age

Your home state also has a big influence on Dodge Charger insurance rates. A middle-age driver might find rates as low as $1,160 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,180 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $590 each year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $483 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,900 to $2,600 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 42% to 132% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and rates will be varied 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

Finding cheaper rates on Dodge Charger insurance consists of being safe and accident-free, having a good credit history, not filing small claims, and qualifying for all possible discounts. Take the time to comparison shop every couple of years by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a brief review of the material that was touched on in the above illustrations.

• Drivers who purchase more liability protection will pay an extra $590 every year to raise from a 30/60 limit to 250/500 limits
• Youthful drivers are the costliest to insure, as much as $511 each month including comprehensive and collision insurance
• High-risk drivers with DUI or reckless driving convictions pay on average $1,870 more per year than a low-risk driver
• Increasing comprehensive and collision deductibles can save around $575 each year