Dodge Charger Insurance Rates

The average insurance prices for a Dodge Charger are $1,614 every 12 months including full coverage. Comprehensive insurance costs approximately $320 each year, collision costs $558, and liability insurance costs around $536. Liability-only coverage costs as low as $606 a year, with high-risk coverage costing $3,488 or more. Teen drivers cost the most to insure at $6,134 a year or more.

Average premium for full coverage: $1,614

Policy rates by type of insurance:

Includes $500 physical damage insurance deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and Charger models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas.

The graphic below illustrates how location impacts auto insurance prices.

The examples above highlight why all drivers should compare prices using their specific location and their own driving history, rather than relying on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $940
• Using higher $1,000 deductibles will save $200 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,614
• Choosing low deductibles for physical damage coverage costs an extra $386 a year
• Drivers with multiple violations and an at-fault accident could pay around $3,488 or more
• Policy cost to insure a teen driver can cost $6,134 or more

View Chart as Image

Insurance rates for a Dodge Charger also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Charger.

Choosing high deductibles could cut rates by as much as $590 each year, whereas increasing liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $483 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,500 a year, or $125 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay in the ballpark 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 likely paying anywhere from $1,900 to $2,600 additional every year, depending on your age. Insurance for high-risk drivers can be anywhere from 42% to 132% more than average. View High Risk Driver Rates

Your home state has a huge impact on Dodge Charger insurance rates. A driver around age 40 might see rates as low as $1,240 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,300 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to do a rate comparison from as many companies as possible. Each 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 the Cheapest Dodge Charger Insurance

Finding cheaper rates on Dodge Charger insurance requires being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Spend time shopping around every couple of years by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The items below are a recap of the material that was touched on above.

• Drivers who purchase more liability coverage will pay about $590 per year to increase from a 30/60 limit to a 250/500 level
• Teen drivers are the costliest to insure, with premiums being up to $511 each month if full coverage is included
• High-risk drivers that have major violations or accidents could be charged and average of $1,870 more per year to insure their Charger
• Increasing comprehensive and collision deductibles could save as much as $575 each year