Dodge Charger Insurance Rates

U.S. average insurance rates for a Dodge Charger are $1,614 a year for full coverage. Comprehensive insurance costs an estimated $320 a year, collision costs $558, and liability insurance costs around $536. Buying just liability costs as low as $606 a year, with insurance for high-risk drivers costing $3,488 or more. Teenage drivers pay the highest rates at $6,134 a year or more.

Average premium for full coverage: $1,614

Price estimates broken down by individual coverage:

Prices are based on $500 deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and Charger trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on insurance rates. More rural locations have lower incidents of accident claims than densely populated cities.

The diagram below illustrates the difference location can make on insurance prices.

The ranges above show why it is important to compare prices for a targeted area, rather than relying on average rates.

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

More Rate Information

The chart below shows estimated Dodge Charger insurance rates for other coverage scenarios.

• The best discount rate is $940
• Using higher $1,000 deductibles will save approximately $1,414 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,614
• Using low $100 deductibles for physical damage coverage will cost an additional $386 a year
• Drivers who are prone to accidents and violations could pay up to $3,488 or more
• The price that insures a teen driver can cost as much as $6,134 or more

View Chart as Image

Insurance prices for a Dodge Charger are also quite variable based on the trim level of your Charger, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,900 to $2,600 additional each year, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 132% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,500 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $6,100 a year. View Rates by Age

The state you live in has a huge impact on Dodge Charger insurance rates. A driver around age 40 might see prices as low as $1,070 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,300 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $590 each year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $483 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know which car insurance is cheapest is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate prices, and prices may be quite different.

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 Affordable Dodge Charger Insurance

Getting lower rates on Dodge Charger insurance requires not taking risks behind the wheel, having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Compare prices at every policy renewal by requesting rates from direct carriers, and also from your local independent and exclusive agents.

The following is a brief review of the data touched on in this article.

• Drivers who want higher liability limits will pay an extra $590 each year to increase from a low limit to the 250/500 level
• Drivers can save approximately $190 per year simply by quoting early and online
• Increasing physical damage deductibles can save approximately $575 each year
• Teens are expensive to insure, with premiums as much as $511 a month if comprehensive and collision insurance is included