Dodge Charger Insurance Rates

Average insurance rates for a Dodge Charger are $1,634 a year with full coverage. Comprehensive insurance costs approximately $332 a year, collision costs $582, and liability coverage costs $520. A policy with just liability insurance costs as little as $592 a year, with coverage for high-risk drivers costing $3,528 or more. Teens receive the highest rates at $6,168 a year or more.

Average premium for full coverage: $1,634

Rate estimates by individual coverage type:

These estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and Charger trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of insurance. Rural locations tend to have a lower frequency of collision claims than cities with more traffic congestion.

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

These examples demonstrate why it is important to compare rates using their specific location and risk profile, rather than using averaged prices.

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

More Rate Details

The chart below details estimated Dodge Charger insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $949
• Drivers who choose higher $1,000 deductibles will pay $1,426 annually
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,634
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an extra $402 each year
• High-risk insureds with serious driving violations could pay around $3,528 or more
• The cost for full coverage for a teenage driver can cost $6,168 a year

View Chart as Image

Insurance rates for a Dodge Charger can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles may only pay around $1,500 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay in the ballpark of $6,100 a year. View Rates by Age

Where you live makes a big difference in Dodge Charger insurance rates. A 40-year-old driver could pay as low as $1,180 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,200 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $610 a year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $468 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,900 to $2,700 additional per year, depending on your age. A high-risk auto insurance policy can cost around 44% to 130% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to get quotes and see how they stack up. Every company calculates rates differently, and rates can be significantly different 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 Cheap Dodge Charger Insurance

Saving money on auto insurance not only requires avoiding accidents and violations, but also having a good credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around every year by getting quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

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

• You may be able to save around $190 per year simply by quoting early and online
• Increasing deductibles can save around $600 each year
• Teenagers are the costliest to insure, with premiums as much as $514 per month including comprehensive and collision insurance
• Drivers that tend to have accidents or serious violations pay on average $1,890 more per year for car insurance