Dodge Charger Insurance Rates

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

Average premium for full coverage: $1,614

Premium estimates for type of coverage:

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and Charger models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of insurance. Areas with sparse population are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates the difference location can make on auto insurance rates.

These rate differences highlight why all drivers should compare prices for a specific zip code, rather than using average rates.

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

Additional Rate Details

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

• The best discount rate is $940
• Using higher $1,000 deductibles will save about $200 every year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,614
• Using low deductibles for physical damage coverage will cost an additional $386 each year
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,488
• An auto insurance policy that insures a teenage driver can be $6,134 or more

View Chart as Image

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

If you have a few violations or you caused an accident, you are likely paying at least $1,900 to $2,600 additional annually, depending on your age. Insurance for high-risk drivers can be around 42% to 132% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay as much as $6,100 a year. View Rates by Age

Where you choose to live has a huge impact on Dodge Charger insurance rates. A driver around age 40 might see prices as low as $1,240 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,300 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $590 a year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $483 more each year. View Rates by Deductible or Liability Limit

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 auto insurance requires being a good driver, having a good credit score, refrain from filing small claims, and deciding if full coverage is necessary. Compare prices every time your policy renews by requesting rates from direct car insurance companies, and also from local insurance agencies.

The following list is a brief summary of the information touched on in this article.

• You may be able to save up to $190 per year just by quoting online in advance
• Drivers age 16 to 20 are charged the highest prices, with the cost nearing $511 per month if comprehensive and collision insurance is included
• Increasing policy deductibles can save approximately $575 each year
• Drivers that tend to have accidents or serious violations may have to pay on average $1,870 more every year than a safer driver
• Consumers who may need an increased level of liability coverage will pay an extra $590 per year to increase from 30/60 bodily injury limits to the 250/500 level