Dodge Charger Insurance Rates

U.S. average insurance rates for a Dodge Charger are $1,614 a year with full coverage. Comprehensive insurance costs approximately $320, collision costs $558, and liability coverage costs $536. Buying just liability costs as little as $606 a year, with insurance for high-risk drivers costing $3,488 or more. 16-year-old drivers pay the highest rates at $6,134 a year or more.

Average premium for full coverage: $1,614

Price estimates by individual coverage:

Estimates include $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and for all Charger models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of insurance. Rural locations have a lower frequency of collision claims than congested cities.

The example below illustrates how your location can change auto insurance prices.

The ranges above demonstrate why everyone should compare rates using their specific location and risk profile, rather than using rate averages.

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

More Rate Information

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

• The best full coverage rate is $940
• Drivers who choose higher $1,000 deductibles will pay $200 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,614
• Buying pricier low deductibles for comprehensive and collision insurance will cost an extra $386 each year
• High-risk insureds with multiple tickets or accidents could pay around $3,488 or more
• The price for full coverage for a teenage driver for full coverage can cost $6,134 a year

View Chart as Image

Insurance prices for a Dodge Charger are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high deductibles may only pay around $1,500 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $6,100 a year. View Rates by Age

The state you live in makes a big difference in Dodge Charger insurance rates. A 40-year-old driver could pay as low as $1,160 a year in states like Utah, Ohio, and New Hampshire, or at least $2,180 on average in New York, Michigan, and Florida.

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Opting for high physical damage deductibles could save up to $590 a year, whereas buying more liability protection will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $483 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,900 to $2,600 additional each year, depending on your age. Dodge Charger insurance for high-risk drivers can cost around 42% to 132% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to regularly compare prices and see how they stack up. Every company utilizes a different rate formula, and 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 Low Cost Dodge Charger Insurance

Getting lower rates on auto insurance not only requires being safe and accident-free, but also having a good credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest the time to shop around every year by getting rate quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

Below you'll find a review of the coverage data illustrated above.

• You may be able to save around $190 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $575 each year
• Youthful drivers are the costliest to insure, costing up to $511 a month including comprehensive and collision insurance
• Drivers who have several accidents or serious violations pay on average $1,870 more per year than a low-risk driver