Dodge Charger Insurance Rates

The average insurance rates for a Dodge Charger are $1,614 a year for full coverage insurance. Comprehensive costs around $320, collision costs $558, and liability costs $536. Liability-only coverage costs as little as $606 a year, with high-risk coverage costing around $3,488. Teenage drivers cost the most to insure at $6,134 a year or more.

Average premium for full coverage: $1,614

Policy rates for type of insurance:

These estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different Charger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than densely populated cities.

The price range example below illustrates how geographic area affects auto insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below illustrates estimated Dodge Charger insurance rates for additional coverage choices and driver risks.

• The best discount rate is $940
• Drivers who choose higher $1,000 deductibles will pay about $200 each year
• The average rate for a good driver age 40 using $500 deductibles is $1,614
• Using more expensive low deductibles for comprehensive and collision insurance will increase the cost to $2,000
• Drivers who are prone to accidents and violations could pay at least $3,488 or more
• Policy cost for full coverage for a 16-year-old driver with full coverage can be $6,134 a year

View Chart as Image

Insurance rates for a Dodge Charger also range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.

An older driver with no violations or accidents and high deductibles may pay as low as $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $6,100 a year. View Rates by Age

Your home state makes a big difference in Dodge Charger insurance prices. A 40-year-old driver could pay as low as $1,050 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,180 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $590 annually, while increasing your policy's liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $483 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,900 to $2,600 additional every year, depending on your age. High-risk driver insurance can cost from 42% to 132% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out your exact price is to compare rates from multiple companies. Every company uses a different method to calculate rates, and rates will be varied 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 Cheap Dodge Charger Insurance

Finding cheaper rates on insurance for a Dodge Charger not only requires having a decent driving record, but also having a good credit history, being claim-free, and taking advantage of discounts. Invest the time to compare rates at every policy renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a brief summary of the data presented in the illustrations above.

• Insureds who may need additional liability coverage will pay an extra $590 annually to go from a 30/60 limit to 250/500 limits
• It is possible to save up to $190 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $575 each year
• 16 to 18-year-old drivers are charged the highest rates, possibly costing $511 each month including comprehensive and collision insurance