Dodge Charger Insurance Rates

U.S. average auto insurance rates for a Dodge Charger are $1,634 annually including full coverage. Comprehensive insurance costs around $332 a year, collision insurance costs $582, and liability insurance is estimated at $520. Buying just liability costs approximately $592 a year, and insurance for high-risk drivers costs $3,528 or more. Teenage drivers pay the highest rates at up to $6,168 a year.

Average premium for full coverage: $1,634

Price estimates for individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and Charger trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates how location impacts auto insurance rates.

The ranges above highlight why it is important to get quotes for a specific zip code and their own personal driving habits, rather than relying on average rates.

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

Additional Rate Information

The chart below breaks down average Dodge Charger insurance rates for additional coverage choices and driver risks.

• The best discount rate is $949
• Choosing higher $1,000 deductibles can save about $1,426 every year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,634
• Using low $100 deductibles for comp and collision coverage costs an additional $402 a year
• High-risk insureds who are prone to accidents and violations could pay at least $3,528
• The price with full coverage for a teen driver can be $6,168 each year

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

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,500 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay as much as $6,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at least $1,900 to $2,700 additional each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $610 each year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $468 more each year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Dodge Charger insurance rates. A good driver about age 40 could pay as low as $1,250 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,330 on average in Michigan, New York, and Louisiana.

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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 the Best Dodge Charger Insurance

Getting lower rates on Dodge Charger insurance takes having a decent driving record, having good credit, being claim-free, and deciding if full coverage is necessary. Spend time shopping around at least once a year by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following items are a brief recap of the primary concepts that were touched on above.

• You may be able to save up to $190 per year just by quoting early and online
• High-risk drivers who tend to receive serious violations may pay on average $1,890 more every year than a driver with a clean driving record
• Increasing physical damage deductibles could save up to $600 each year
• 16 to 18-year-old drivers are charged the highest prices, possibly costing $514 a month if they have full coverage