Dodge Charger Insurance Rates

The average insurance rates for a Dodge Charger are $1,614 a year with full coverage. Comprehensive insurance costs an estimated $320, collision insurance costs $558, and liability coverage costs $536. Liability-only insurance costs as little as $606 a year, and high-risk driver insurance costs $3,488 or more. Teenage drivers cost the most to insure at up to $6,134 a year.

Average premium for full coverage: $1,614

Policy rates broken down by type of insurance:

Full coverage includes $500 deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for different Charger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. More rural locations are shown to have lower incidents of collision claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare rates for a targeted area, rather than using average rates.

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

Additional Rate Analysis

The chart below details average Dodge Charger insurance rates for other coverage scenarios.

• The best discount rate is $940
• Drivers who choose higher $1,000 deductibles will pay approximately $200 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $1,614
• Using more expensive low deductibles for comprehensive and collision insurance will cost an additional $386 each year
• High-risk insureds who are prone to accidents and violations could pay up to $3,488
• Policy cost that insures a teenage driver with full coverage can cost as much as $6,134 a year

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Auto insurance rates for a Dodge Charger also range considerably based on the model year and trim level, your age and driving habits, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you may be forking out $1,900 to $2,600 in extra premium every year, depending on your age. High-risk driver insurance can cost around 42% to 132% more than a normal policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay at least $6,100 a year. View Rates by Age

Your home state makes a big difference in Dodge Charger insurance rates. A 40-year-old driver could pay as low as $1,160 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,180 on average in New York, Michigan, and Florida.

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Using high physical damage deductibles could save up to $590 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $483 extra every 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 More Affordable Dodge Charger Insurance

Finding cheaper rates on auto insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Compare prices every other policy renewal by requesting quotes from direct companies, and also from insurance agencies where you live.

The following is a summary of the ideas that were covered above.

• Teens are the costliest to insure, as much as $511 each month if the policy includes full coverage
• Drivers who have multiple accidents or major violations could be forced to pay on average $1,870 more annually for Charger insurance
• Increasing comprehensive and collision deductibles can save approximately $575 each year
• You may be able to save approximately $190 per year just by shopping early and online