Dodge Charger Insurance Rates

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

Average premium for full coverage: $1,614

Policy rates for type of insurance:

These estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and Charger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than cities with more traffic congestion.

The diagram below illustrates how rural and urban location affects auto insurance rates.

The examples above demonstrate why it is important to compare prices for a specific zip code, instead of making a decision based 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 additional coverage choices and driver risks.

• The cheapest rate after discounts is $940
• Using higher $1,000 deductibles will save about $1,414 annually
• The estimated price for a good driver age 40 using $500 deductibles is $1,614
• Selecting low $100 deductibles for physical damage coverage bumps up the cost to $2,000
• High-risk insureds with serious driving violations could pay at least $3,488 or more
• Policy cost that insures a 16-year-old driver can be $6,134 or more

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,900 to $2,600 additional every year, depending on your age. A high-risk auto insurance policy can be from 42% to 132% more than the average policy. View High Risk Driver Rates

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

Your home state has a huge impact on Dodge Charger insurance prices. 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 annually, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $483 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out your exact price is to get quotes from multiple companies. Each insurance company calculates rates differently, and rates will be varied.

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 cheaper rates on insurance for a Dodge Charger requires being a low-risk driver, having a good credit score, not filing small claims, and taking advantage of discounts. Compare rates every year by quoting rates from direct companies, and also from your local independent and exclusive agents.

The items below are a brief summary of the coverage data raised in the charts and tables above.

• You may be able to save up to $190 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $575 each year
• Teen drivers are charged the highest rates, as much as $511 each month if comprehensive and collision insurance is included
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,870 more every year to insure their Charger