Dodge Charger Insurance Rates

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

Average premium for full coverage: $1,614

Policy rates by type of insurance:

Prices include $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and Charger models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than cities with more traffic congestion.

The graphic below illustrates the difference location can make on car insurance rates.

The examples above demonstrate why all drivers should compare prices based on a specific location and risk profile, rather than relying on averaged prices.

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

Additional Rate Details

The chart below details estimated Dodge Charger insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $940
• Using higher $1,000 deductibles will save around $200 annually
• The average rate for a good driver age 40 with $500 deductibles is $1,614
• Selecting low deductibles for physical damage coverage will cost an extra $386 a year
• Drivers with serious driving violations could pay upwards of $3,488 or more
• Policy cost for full coverage for a teen driver may cost $6,134 or more

View Chart as Image

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

More mature drivers with no violations or accidents and high deductibles could pay as little as $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $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 $1,160 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,180 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $590 each year, whereas increasing liability limits will cost you more. Moving 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 may be forking out at a minimum $1,900 to $2,600 additional every year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 132% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out exactly what you will pay is to do a rate comparison from as many companies as possible. Each insurance company calculates rates differently, 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 the Right Dodge Charger Insurance

Finding cheaper rates on Dodge Charger insurance requires avoiding accidents and claims, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Make time to compare rates at least once a year by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The points below are a quick rundown of the primary concepts that were touched on in this article.

• You may be able to save as much as $190 per year simply by quoting online in advance
• High-risk drivers with reckless driving or DUI convictions may be required to pay an average of $1,870 more each year to insure a Dodge Charger
• Increasing comprehensive and collision deductibles can save around $575 each year
• Drivers under the age of 20 pay higher rates, as much as $511 each month including comprehensive and collision insurance