Dodge Charger Insurance Rates

The average insurance prices for a Dodge Charger are $1,634 every 12 months for full coverage insurance. Comprehensive insurance costs on average $332 a year, collision costs $582, and liability is $520. Liability-only coverage costs around $592 a year, with high-risk coverage costing $3,528 or more. Teen drivers cost the most to insure at $6,168 a year or more.

Average premium for full coverage: $1,634

Policy rates by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and Charger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on insurance rates. Rural areas are shown to have more infrequent physical damage claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The examples above illustrate why it is important to compare rates quotes based on a specific location and their own driving history, instead of making a decision based on price averages.

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

Additional Rate Details

The chart below illustrates estimated Dodge Charger insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $949
• Raising to $1,000 deductibles will save around $1,426 each year
• The average price for a good driver age 40 with $500 deductibles is $1,634
• Choosing low $100 deductibles costs an extra $402 annually
• Drivers with multiple violations and an at-fault accident could pay upwards of $3,528 or more
• Policy cost to insure a 16-year-old driver may cost $6,168

View Chart as Image

Insurance rates for a Dodge Charger also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your Charger.

Choosing high deductibles can reduce rates by up to $610 annually, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $468 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as low as $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay upwards of $6,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,900 to $2,700 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 130% more than average. View High Risk Driver Rates

Your home state also has a big influence on Dodge Charger insurance prices. A middle-age driver might find rates as low as $1,070 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,200 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out exactly what you will pay is to get quotes from multiple companies. Every auto insurance company uses a different rate calculation, 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 Shop for Affordable Dodge Charger Insurance

Finding cheaper rates on insurance for a Dodge Charger consists of having a decent driving record, having above-average credit, being claim-free, and insuring your home and auto with the same company. Set aside time to compare rates every couple of years by getting rate quotes from direct insurance companies, and also from several local insurance agents.

The following items are a brief review of the material that was covered above.

• Insureds who require additional liability coverage will pay about $570 annually to raise from a 30/60 limit to a 250/500 level
• 16 to 18-year-old drivers pay higher rates, possibly costing $514 each month if full coverage is included
• Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,890 more each year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles could save as much as $600 each year