Dodge Charger Insurance Rates

Average auto insurance rates for a Dodge Charger are $1,614 annually including full coverage. Comprehensive insurance costs an estimated $320, collision insurance costs $558, and liability is estimated at $536. A policy with just liability insurance costs approximately $606 a year, and coverage for high-risk drivers costs $3,488 or more. Teenage drivers receive the highest rates at up to $6,134 a year.

Average premium for full coverage: $1,614

Rate estimates broken down by individual coverage type:

These estimates include $500 physical damage deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and for different Charger trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on insurance prices.

These examples highlight why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below breaks down average Dodge Charger insurance rates for other coverage scenarios.

• The best discount rate is $940
• Choosing higher $1,000 deductibles can save approximately $200 every year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,614
• Using more expensive low deductibles for comp and collision coverage costs an additional $386 annually
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,488
• The cost with full coverage for a 16-year-old driver with full coverage can cost as much as $6,134 each year

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Insurance rates for a Dodge Charger can also vary considerably based on the trim level of your Charger, your driving characteristics, and liability limits and deductibles.

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,500 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay at least $6,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,900 to $2,600 additional per year, depending on your age. High-risk driver insurance ranges from 42% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $590 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $483 more each year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Dodge Charger insurance prices. A good driver about age 40 could pay as low as $1,240 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,300 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 Buy Cheap Dodge Charger Insurance

Saving money on insurance for a Dodge Charger takes being a safe and courteous driver, having good credit, not filing small claims, and possibly raising deductibles. Set aside time to compare rates every couple of years by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

Below is a brief summary of the material that was covered above.

• Insureds who want higher levels of liability will pay an extra $590 per year to raise limits from a minimum limit to higher 250/500 limits
• Teenage drivers are expensive to insure, as much as $511 per month if they have full coverage
• Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,870 more annually for auto insurance
• Increasing deductibles could save up to $575 each year