Dodge Charger Insurance Rates

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

Average premium for full coverage: $1,614

Policy rates by type of insurance:

Rates are based on $500 deductible amounts, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Charger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than densely populated cities. The diagram below illustrates how location helps determine car insurance rates.

The examples above illustrate why it is important to compare prices based on a specific location, rather than using average rates.

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

Rates by State, City, and Model

The chart below illustrates average Dodge Charger insurance rates for different risk profiles and scenarios.

• The best discount rate is $940
• Using higher $1,000 deductibles will save around $1,414 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,614
• Using low $100 deductibles for physical damage coverage will cost an additional $386 each year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,488
• Policy cost that insures a teenage driver may cost $6,134 or more

View Chart as Image

Car insurance rates for a Dodge Charger also range considerably based on the trim level of your Charger, your age and driving record, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,900 to $2,600 extra every year, depending on your age. A high-risk auto insurance policy can be around 42% to 132% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged 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 $1,050 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,180 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $590 a year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $483 extra every 12 months. 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 the Best Cheap Dodge Charger Insurance

Finding cheaper rates on auto insurance requires having a good driving record, having a positive credit history, being claim-free, and possibly raising deductibles. Compare prices at least every other year by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The next list is a quick review of the car insurance concepts covered in the charts and tables above.

• Drivers with a DUI or reckless driving violation may pay on average $1,870 more each year to buy Dodge Charger insurance
• It is possible to save as much as $190 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $575 each year
• Consumers who require increased levels of liability coverage will pay an extra $590 annually to increase from a 30/60 limit to the 250/500 level