Dodge Charger Insurance Rates

The average insurance rates for a Dodge Charger are $1,634 a year with full coverage. Comprehensive costs around $332 each year, collision costs $582, and liability coverage costs around $520. A liability-only policy costs as low as $592 a year, with high-risk insurance costing around $3,528. Teenage drivers cost the most to insure at $6,168 a year or more.

Average premium for full coverage: $1,634

Policy rates for type of insurance:

Prices are based on $500 deductible amounts, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and Charger models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than densely populated cities.

The graphic below illustrates how location impacts auto insurance rates.

The examples above demonstrate why all drivers should compare prices for a specific zip code and risk profile, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $949
• Using higher $1,000 deductibles will save about $208 annually
• The average rate for a good driver age 40 using $500 deductibles is $1,634
• Using low deductibles for physical damage coverage will increase the cost to $2,036
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,528 or more
• Policy cost for full coverage for a teenage driver can be $6,168 or more

View Chart as Image

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

More mature drivers with no driving violations and high deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged as much as $6,100 a year. View Rates by Age

Your home state has a huge impact on Dodge Charger insurance rates. A driver around age 40 might see rates as low as $1,180 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,200 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $610 a year, whereas increasing liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $468 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,900 to $2,700 extra every year, depending on your age. Insurance for high-risk drivers can be around 44% to 130% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out your exact price is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate rates, so rate quotes 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 Affordable Dodge Charger Insurance

Finding cheaper rates on auto insurance requires having a good driving record, having above-average credit, not filing small claims, and qualifying for all possible discounts. Spend time shopping around at least every other year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The next list is a brief review of the car insurance concepts touched on above.

• Drivers with DUI or reckless driving convictions pay an average of $1,890 more every year to buy Dodge Charger insurance
• You may be able to save up to $190 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $600 each year
• Consumers who may need increased levels of liability coverage will pay an extra $570 every year to increase from a 30/60 limit to 250/500 limits