Dodge Charger Insurance Rates

Estimated insurance prices for a Dodge Charger are $1,614 every 12 months with full coverage. Comprehensive insurance costs an estimated $320, collision costs $558, and liability coverage is $536. A liability-only policy costs around $606 a year, with high-risk insurance costing $3,488 or more. 16-year-old drivers pay the most at $6,134 a year or more.

Average premium for full coverage: $1,614

Premium estimates broken down by type of coverage:

Rate estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for all Charger models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than congested cities.

The example below illustrates the difference between rural and urban areas on insurance prices.

These rate differences demonstrate why everyone should compare rates quotes for a targeted area and their own driving history, rather than using rate averages.

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

Additional Rate Information

The chart below details estimated Dodge Charger insurance rates for other coverage scenarios.

• The best full coverage rate is $940
• Raising to $1,000 deductibles will save approximately $200 annually
• The average price for a 40-year-old good driver who has $500 deductibles is $1,614
• Buying pricier low deductibles costs an extra $386 each year
• Unlucky drivers with multiple tickets or accidents could pay up to $3,488 or more
• An auto insurance policy to insure a teenage driver for full coverage can cost as much as $6,134

View Chart as Image

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

Opting for high physical damage deductibles can reduce prices by up to $590 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $483 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may only pay around $1,500 every 12 months on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay at least $6,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,900 to $2,600 in extra premium annually, depending on your age. Dodge Charger insurance for high-risk drivers is expensive and can cost around 42% to 132% more than the average rate. View High Risk Driver Rates

Where you choose to live also has a big influence on Dodge Charger insurance rates. A middle-age driver might find prices as low as $1,160 a year in states like Utah, Ohio, and New Hampshire, or at least $2,180 on average in New York, Michigan, and Florida.

View Chart as Image

With such a large range in prices, the best way to find out which insurance company is cheapest is to regularly compare prices and see how they stack up. Every auto insurance company utilizes a different rate formula, 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 Shop for the Best Dodge Charger Insurance

Finding better rates on auto insurance consists of being a low-risk driver, having a good credit score, being claim-free, and qualifying for all possible discounts. Set aside time to compare rates every couple of years by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

The items below are a brief recap of the material that was covered above.

• Consumers who want more liability coverage will pay around $590 every year to raise from 30/60 bodily injury limits to a 250/500 level
• Teen drivers are the costliest to insure, possibly costing $511 per month if comprehensive and collision insurance is included
• Drivers who tend to receive serious violations may pay on average $1,870 more annually to insure their Charger
• Increasing policy deductibles could save as much as $575 each year