Dodge Charger Insurance Rates

U.S. average insurance rates for a Dodge Charger are $1,634 a year for full coverage insurance. Comprehensive insurance costs around $332 a year, collision insurance costs $582, and liability is $520. A policy with just liability insurance costs around $592 a year, and coverage for high-risk drivers 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 for individual coverage:

These estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 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 rates. Areas with sparse population have lower incidents of physical damage claims than densely populated cities. The diagram below illustrates how your location can change auto insurance rates.

The ranges above illustrate why it is important to compare rates quotes for a specific zip code, instead of using average rates.

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

Detailed Rate Analysis

The chart below illustrates average Dodge Charger insurance rates for additional coverage choices and driver risks.

• The best discount rate is $949
• Raising to $1,000 deductibles will save about $1,426 each year
• The estimated price for the average middle-age driver using $500 deductibles is $1,634
• Using low $100 deductibles will cost an additional $402 every year
• At-risk drivers who are prone to accidents and violations could pay at least $3,528
• The price that insures a teen driver can be $6,168

View Chart as Image

Insurance prices for a Dodge Charger are also quite variable based on the trim level of your Charger, your age and driving record, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are probably paying at least $1,900 to $2,700 extra 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

Older drivers with a clean driving record and higher comprehensive and collision 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 teens with perfect driving records can expect to pay as much as $6,100 a year. View Rates by Age

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 $1,070 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,200 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $610 every year, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $468 more per year. 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 Cheap Dodge Charger Insurance

Getting lower rates on car insurance consists of being safe and accident-free, having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Compare prices every other policy renewal by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

Below you'll find a brief summary of the ideas that were illustrated above.

• Youthful drivers pay higher prices, as much as $514 a month if full coverage is included
• Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,890 more every year than a low-risk driver
• Increasing physical damage deductibles can save approximately $600 each year
• It is possible to save up to $190 per year just by quoting early and online