Dodge Charger Insurance Rates

Estimated insurance rates for a Dodge Charger are $1,614 a year with full coverage. Comprehensive insurance costs on average $320, collision insurance costs $558, and liability is $536. Liability-only insurance costs around $606 a year, and high-risk driver insurance costs $3,488 or more. Teens pay the most at up to $6,134 a year.

Average premium for full coverage: $1,614

Premium estimates by type of coverage:

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and for all Charger models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion. The example below illustrates how location impacts car insurance rates.

These rate differences demonstrate why everyone should compare rates quotes based on a specific location and risk profile, instead of using averaged prices.

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

Additional Rate Analysis

The chart below details average Dodge Charger insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $940
• Raising to $1,000 deductibles will save around $200 annually
• The average rate for a 40-year-old good driver with $500 deductibles is $1,614
• Selecting pricier low deductibles will cost an extra $386 every year
• At-risk drivers with serious driving violations could pay upwards of $3,488
• An auto insurance policy for full coverage for a teen driver for full coverage may cost $6,134

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

A more mature driver with no violations or accidents and high deductibles may pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay upwards of $6,100 a year. View Rates by Age

Where you choose to live also has a big influence on Dodge Charger insurance prices. A middle-age driver might find prices as low as $1,160 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,180 on average in Florida, Michigan, and New York.

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Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $590 every year, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $483 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,900 to $2,600 additional annually, depending on your age. Dodge Charger insurance for high-risk drivers is expensive and can cost as much as 42% to 132% more than the average policy. View High Risk Driver Rates

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 Cheap Dodge Charger Insurance

Finding better rates on car insurance consists of avoiding accidents and violations, having a good credit history, being claim-free, and dropping full coverage on older vehicles. Spend time shopping around every time your policy renews by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.

The list below is a brief summary of the information touched on above.

• You may be able to save as much as $190 per year just by quoting online well ahead of the renewal date
• Teenagers pay higher prices, possibly costing $511 per month including comprehensive and collision insurance
• Increasing policy deductibles can save around $575 each year
• Higher risk drivers that tend to have accidents or serious violations may be required to pay an average of $1,870 more each year for car insurance
• Policyholders who require higher liability limits will pay approximately $590 every year to raise from 30/60 bodily injury limits to 250/500 limits