Dodge Charger Insurance Rates

Estimated auto insurance rates for a Dodge Charger are $1,614 annually with full coverage. Comprehensive costs approximately $320 a year, collision insurance costs $558, and liability costs around $536. A policy with only liability insurance costs as low as $606 a year, and a high-risk policy costs around $3,488. Teenage drivers pay the most at up to $6,134 a year.

Average premium for full coverage: $1,614

Premium estimates by type of coverage:

Prices are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and Charger trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on the price of insurance. Rural locations are statistically proven to have fewer collision claims than densely populated cities. The diagram below illustrates how geographic area affects auto insurance prices.

These rate differences demonstrate why it is important to compare prices using their specific location and their own personal driving habits, instead of making a decision based on average rates.

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

More Rate Information

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

• The best discount rate is $940
• Using higher $1,000 deductibles will save $1,414 annually
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,614
• Using low $100 deductibles for physical damage coverage will cost $2,000
• High-risk insureds who are prone to accidents and violations could pay around $3,488
• An auto insurance policy with full coverage for a 16-year-old driver can cost $6,134 or more

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

Older drivers with no driving violations and high physical damage 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, where even without any violations or accidents they will be charged in the ballpark of $6,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out anywhere from $1,900 to $2,600 extra annually, depending on your age. A high-risk auto insurance policy can be from 42% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $590 annually, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $483 extra every 12 months. View Rates by Deductible or Liability Limit

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 $1,160 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.

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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 Affordable Dodge Charger Insurance

Finding better rates on insurance for a Dodge Charger requires avoiding accidents and violations, having a good credit score, being claim-free, and attention to physical damage deductibles. Invest the time to compare rates every time your policy renews by requesting quotes from direct companies, and also from your local independent and exclusive agents.

The list below is a brief review of the information presented in the illustrations above.

• You may be able to save around $190 per year just by quoting early and online
• Teenagers pay the highest auto insurance prices, possibly costing $511 per month if comprehensive and collision insurance is included
• Increasing policy deductibles could save up to $575 each year
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,870 more per year for car insurance
• Insureds who purchase higher liability limits will pay an extra $590 every year to increase from 30/60 bodily injury limits to higher 250/500 limits