Dodge Charger Insurance Rates

The average auto insurance rates for a Dodge Charger are $1,614 annually including full coverage. Comprehensive costs on average $320 a year, collision insurance costs $558, and liability is estimated at $536. Liability-only coverage costs approximately $606 a year, and high-risk coverage costs around $3,488. Teen drivers cost the most to insure at up to $6,134 a year.

Average premium for full coverage: $1,614

Policy rates by type of insurance:

Estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Charger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than larger metro areas. The diagram below illustrates how location helps determine car insurance rates.

The examples above highlight why it is important to get quotes based on a specific location and their own personal driving habits, instead of making a decision based on price averages.

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 different risk profiles and scenarios.

• The lowest rate with discounts is $940
• Choosing higher $1,000 deductibles can save around $1,414 every year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,614
• Choosing low $100 deductibles for comp and collision coverage will cost $2,000
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,488
• Policy cost with full coverage for a 16-year-old driver may cost $6,134 each year

View Chart as Image

Insurance rates for a Dodge Charger also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,500 annually on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $6,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,900 to $2,600 additional every year, depending on your age. A high-risk auto insurance policy ranges from 42% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $590 annually, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $483 more each year. View Rates by Deductible or Liability Limit

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

View Chart as Image

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

Finding cheaper rates on insurance for a Dodge Charger takes having a decent driving record, having good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Invest time comparing rates every time your policy renews by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a review of the information covered in the charts and tables above.

• You may be able to save as much as $190 per year just by quoting early and online
• 16 to 18-year-old drivers pay higher rates, with premiums being up to $511 each month if they have full coverage
• Increasing comprehensive and collision deductibles could save up to $575 each year
• Drivers considered higher risk who have several accidents or serious violations pay on average $1,870 more each year than a driver with a clean driving record
• Insureds who require additional liability coverage will pay about $590 per year to raise limits from a 30/60 limit to higher 250/500 limits