Dodge Charger Insurance Rates

U.S. average insurance prices for a Dodge Charger are $1,634 every 12 months including full coverage. Comprehensive insurance costs approximately $332 a year, collision insurance costs $582, and liability is $520. Liability-only coverage costs around $592 a year, and high-risk coverage costs $3,528 or more. Teenage drivers pay the highest rates at up to $6,168 a year.

Average premium for full coverage: $1,634

Price estimates by individual coverage:

These estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Charger trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance prices. Rural locations have more infrequent comprehensive and collision claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above highlight why it is important to compare rates quotes using their specific location and their own driving history, instead of using average rates.

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

Detailed Rate Analysis

The chart below breaks down average Dodge Charger insurance rates for additional coverage and risk scenarios.

• The best discount rate is $949
• Raising to $1,000 deductibles will save $1,426 every year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,634
• Using low $100 deductibles costs an extra $402 every year
• At-risk drivers who are prone to accidents and violations could pay around $3,528
• The price to insure a teen driver can cost $6,168

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Auto insurance prices for a Dodge Charger are also quite variable based on deductibles and policy limits, your driving characteristics, and the model of your Charger.

Using high physical damage deductibles can reduce prices by up to $610 every year, while buying higher liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $468 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as little as $1,500 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay in the ballpark of $6,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are likely paying anywhere from $1,900 to $2,700 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 44% to 130% more than a normal policy. View High Risk Driver Rates

The state you live in also has a big influence on Dodge Charger insurance prices. A middle-age driver might find prices as low as $1,250 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,330 on average in Louisiana, New York, and Michigan.

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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 Cheap Dodge Charger Insurance

Getting lower rates on car insurance consists of having a good driving record, having a good credit score, being claim-free, and possibly higher deductibles. Set aside time to compare rates at every other renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The next list is a brief summary of the concepts that were covered above.

• Higher risk drivers that tend to have accidents or serious violations could be charged and average of $1,890 more per year to buy Dodge Charger insurance
• Drivers age 20 and younger have the highest car insurance prices, possibly costing $514 a month if comprehensive and collision insurance is included
• You may be able to save around $190 per year just by quoting early and online
• Increasing physical damage deductibles could save as much as $600 each year
• You may be able to save around $190 per year just by quoting early and online