Dodge Charger Insurance Rates

Estimated insurance rates for a Dodge Charger are $1,614 a year for full coverage insurance. Comprehensive insurance costs approximately $320, collision costs $558, and liability coverage is estimated at $536. A liability-only policy costs approximately $606 a year, with high-risk insurance costing $3,488 or more. Teen drivers pay the most at $6,134 a year or more.

Average premium for full coverage: $1,614

Premium estimates by type of coverage:

Prices are based on $500 physical damage deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for different Charger trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than larger metro areas.

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

These rate differences illustrate why anyone shopping for car insurance should get quotes using their specific location, rather than using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $940
• Choosing higher $1,000 deductibles can save $200 each year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,614
• Choosing more expensive low deductibles for comp and collision coverage will cost an additional $386 each year
• Drivers with multiple violations and an at-fault accident could pay around $3,488 or more
• An auto insurance policy that insures a teenage driver with full coverage can cost $6,134 each year

View Chart as Image

Auto insurance prices for a Dodge Charger also have a wide range based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are probably paying anywhere from $1,900 to $2,600 in extra premium annually, depending on your age. High-risk driver insurance ranges around 42% to 132% more than average. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,500 annually on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $6,100 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Dodge Charger insurance rates. A good driver about age 40 could pay as low as $1,050 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,180 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $590 a year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $483 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out who has the best car insurance prices is to compare prices and see how they stack up. Each auto insurer uses a different rate calculation, and quoted prices will be substantially different.

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 better rates on auto insurance takes being a safe and courteous driver, maintaining a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Shop around once a year by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

Below is a brief review of the data that was illustrated above.

• It is possible to save around $190 per year simply by shopping early and online
• Consumers who purchase higher levels of liability will pay about $590 annually to raise limits from 30/60 bodily injury limits to the 250/500 level
• Teenage drivers have the highest car insurance prices, with premiums being up to $511 per month if the policy includes full coverage
• Drivers with DUI or reckless driving convictions could be charged and average of $1,870 more per year for auto insurance