Dodge Charger Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 8, 2024
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U.S. average insurance prices for a Dodge Charger are $1,634 every 12 months including full coverage. Comprehensive insurance costs on average $332, collision insurance costs $582, and liability costs $520. Liability-only insurance costs as little as $592 a year, and high-risk driver insurance costs $3,528 or more. Teens pay the highest rates at up to $6,168 a year.
Average premium for full coverage: $1,634
Price estimates by individual coverage:
Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all Charger models.
Price Range from Low to High
For a driver around age 40, Dodge Charger insurance prices range from the cheapest price of $592 for just the minimum liability insurance to the much higher price of $3,528 for a driver who has had serious violations or accidents.
Geographic Price Range
Your location can have significant affects on car insurance rates. Rural areas have more infrequent comprehensive and collision claims than cities with more traffic congestion. The example below illustrates the difference between rural and urban areas on car insurance rates.
The ranges above highlight why everyone should compare rates based on a specific location and their own driving history, instead of using averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below breaks down average Dodge Charger insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $949
- Drivers who choose higher $1,000 deductibles will pay around $208 every year
- The average price for the average middle-age driver with $500 deductibles is $1,634
- Selecting pricier low deductibles for comprehensive and collision insurance costs an extra $402 every year
- Higher-risk drivers with serious driving violations could pay upwards of $3,528
- The price to insure a teen driver for full coverage may cost $6,168 a year
Car insurance prices for a Dodge Charger are also quite variable based on deductibles and policy limits, your driving characteristics, and the trim level of your Charger.
Choosing higher comprehensive and collision insurance deductibles could save up to $610 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may pay as little as $1,500 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged upwards of $6,100 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying at a minimum $1,900 to $2,700 extra each year, depending on your age. Dodge Charger insurance for high-risk drivers can cost as much as 44% to 130% more than the average policy. View High Risk Driver Rates
The state you live in makes a big difference in Dodge Charger insurance prices. A 40-year-old driver could pay as low as $1,250 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,330 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,476 | -$158 | -9.7% |
| Alaska | $1,250 | -$384 | -23.5% |
| Arizona | $1,354 | -$280 | -17.1% |
| Arkansas | $1,634 | -$0 | 0.0% |
| California | $1,860 | $226 | 13.8% |
| Colorado | $1,560 | -$74 | -4.5% |
| Connecticut | $1,678 | $44 | 2.7% |
| Delaware | $1,848 | $214 | 13.1% |
| Florida | $2,040 | $406 | 24.8% |
| Georgia | $1,508 | -$126 | -7.7% |
| Hawaii | $1,172 | -$462 | -28.3% |
| Idaho | $1,108 | -$526 | -32.2% |
| Illinois | $1,218 | -$416 | -25.5% |
| Indiana | $1,230 | -$404 | -24.7% |
| Iowa | $1,104 | -$530 | -32.4% |
| Kansas | $1,550 | -$84 | -5.1% |
| Kentucky | $2,228 | $594 | 36.4% |
| Louisiana | $2,418 | $784 | 48.0% |
| Maine | $1,008 | -$626 | -38.3% |
| Maryland | $1,348 | -$286 | -17.5% |
| Massachusetts | $1,304 | -$330 | -20.2% |
| Michigan | $2,836 | $1,202 | 73.6% |
| Minnesota | $1,366 | -$268 | -16.4% |
| Mississippi | $1,956 | $322 | 19.7% |
| Missouri | $1,450 | -$184 | -11.3% |
| Montana | $1,756 | $122 | 7.5% |
| Nebraska | $1,286 | -$348 | -21.3% |
| Nevada | $1,958 | $324 | 19.8% |
| New Hampshire | $1,176 | -$458 | -28.0% |
| New Jersey | $1,826 | $192 | 11.8% |
| New Mexico | $1,446 | -$188 | -11.5% |
| New York | $1,718 | $84 | 5.1% |
| North Carolina | $940 | -$694 | -42.5% |
| North Dakota | $1,338 | -$296 | -18.1% |
| Ohio | $1,128 | -$506 | -31.0% |
| Oklahoma | $1,676 | $42 | 2.6% |
| Oregon | $1,494 | -$140 | -8.6% |
| Pennsylvania | $1,558 | -$76 | -4.7% |
| Rhode Island | $2,180 | $546 | 33.4% |
| South Carolina | $1,480 | -$154 | -9.4% |
| South Dakota | $1,376 | -$258 | -15.8% |
| Tennessee | $1,430 | -$204 | -12.5% |
| Texas | $1,966 | $332 | 20.3% |
| Utah | $1,208 | -$426 | -26.1% |
| Vermont | $1,118 | -$516 | -31.6% |
| Virginia | $978 | -$656 | -40.1% |
| Washington | $1,260 | -$374 | -22.9% |
| West Virginia | $1,496 | -$138 | -8.4% |
| Wisconsin | $1,130 | -$504 | -30.8% |
| Wyoming | $1,456 | -$178 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Charger 3.5 | $1,592 | $133 |
| Dodge Charger | $1,592 | $133 |
| Dodge Charger 3.5 AWD | $1,634 | $136 |
| Dodge Charger AWD | $1,634 | $136 |
| Dodge Charger Rallye | $1,634 | $136 |
| Dodge Charger SXT | $1,634 | $136 |
| Dodge Charger SXT AWD | $1,634 | $136 |
| Dodge Charger R/T | $1,674 | $140 |
| Dodge Charger Rallye AWD | $1,674 | $140 |
| Dodge Charger R/T AWD | $1,716 | $143 |
| Dodge Charger SRT-8 | $1,756 | $146 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Dodge Charger | $344 | $596 | $498 | $1,638 |
| 2022 Dodge Charger | $332 | $582 | $520 | $1,634 |
| 2021 Dodge Charger | $320 | $558 | $536 | $1,614 |
| 2020 Dodge Charger | $304 | $538 | $554 | $1,596 |
| 2019 Dodge Charger | $292 | $500 | $564 | $1,556 |
| 2018 Dodge Charger | $280 | $470 | $570 | $1,520 |
| 2017 Dodge Charger | $268 | $422 | $574 | $1,464 |
| 2016 Dodge Charger | $250 | $388 | $574 | $1,412 |
| 2015 Dodge Charger | $242 | $364 | $580 | $1,386 |
| 2014 Dodge Charger | $236 | $340 | $592 | $1,368 |
| 2013 Dodge Charger | $218 | $316 | $592 | $1,326 |
| 2012 Dodge Charger | $212 | $286 | $596 | $1,294 |
| 2011 Dodge Charger | $198 | $262 | $592 | $1,252 |
| 2010 Dodge Charger | $186 | $238 | $592 | $1,216 |
| 2009 Dodge Charger | $180 | $214 | $586 | $1,180 |
| 2008 Dodge Charger | $178 | $208 | $574 | $1,160 |
| 2007 Dodge Charger | $176 | $198 | $564 | $1,138 |
| 2006 Dodge Charger | $160 | $190 | $558 | $1,108 |
Rates are averaged for all Dodge Charger models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Low Cost Dodge Charger Insurance
Getting lower rates on car insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, being claim-free, and possibly raising deductibles. Set aside time to compare rates every other policy renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The list below is a review of the ideas that were covered above.
- Teenagers are expensive to insure, possibly costing $514 a month if the policy includes full coverage
- Higher risk drivers who have several accidents or serious violations may pay on average $1,890 more each year for car insurance
- Increasing physical damage deductibles could save as much as $600 each year
- You may be able to save as much as $190 per year just by quoting online well ahead of the renewal date
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,168 |
| 20 | $3,764 |
| 30 | $1,696 |
| 40 | $1,634 |
| 50 | $1,492 |
| 60 | $1,462 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,036 |
| $250 | $1,852 |
| $500 | $1,634 |
| $1,000 | $1,426 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,634 |
| 50/100 | $1,860 |
| 100/300 | $1,990 |
| 250/500 | $2,328 |
| 100 CSL | $1,912 |
| 300 CSL | $2,198 |
| 500 CSL | $2,406 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,784 |
| 20 | $5,988 |
| 30 | $3,598 |
| 40 | $3,528 |
| 50 | $3,368 |
| 60 | $3,334 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $86 |
| Multi-vehicle | $86 |
| Homeowner | $25 |
| 5-yr Accident Free | $117 |
| 5-yr Claim Free | $105 |
| Paid in Full/EFT | $72 |
| Advance Quote | $79 |
| Online Quote | $115 |
| Total Discounts | $685 |
Discounts are estimated and may not be available from every company or in every state.
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