Dodge Charger Insurance Rates

Average insurance prices for a Dodge Charger are $1,634 every 12 months for full coverage insurance. Comprehensive costs an estimated $332, collision costs $582, and liability insurance costs around $520. A liability-only policy costs as low as $592 a year, with high-risk insurance costing around $3,528. Teenage drivers receive the highest rates at $6,168 a year or more.

Average premium for full coverage: $1,634

Rate estimates broken down by individual coverage type:

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and for all Charger models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on the price of insurance. More rural locations tend to have more infrequent physical damage claims than densely populated cities.

The example below illustrates how geographic area affects insurance prices.

These examples illustrate why everyone should compare prices for a targeted area and their own driving history, rather than relying on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $949
• Using higher $1,000 deductibles will save approximately $208 each year
• The average price for a 40-year-old driver who has $500 deductibles is $1,634
• Using pricier low deductibles for physical damage coverage increases the price to $2,036
• Drivers who are prone to accidents and violations could pay up to $3,528 or more
• The cost to insure a teen driver for full coverage can cost as much as $6,168 or more

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Insurance rates for a Dodge Charger can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.

Using high physical damage deductibles could cut rates by as much as $610 each year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $468 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles could pay as little as $1,500 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay at least $6,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying $1,900 to $2,700 extra per year, depending on your age. Dodge Charger insurance for high-risk drivers can be anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates

Where you live has a huge impact on Dodge Charger insurance rates. A driver around age 40 might see rates as low as $1,070 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,200 on average in Florida, New York, and Michigan.

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With so much variability in rates, the only way to figure out which company is cheapest is to regularly compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, so the rates can be significantly 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 Shop for Cheaper Dodge Charger Insurance

Saving money on Dodge Charger insurance requires being a good driver, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Invest the time to compare rates every time your policy renews by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following list is a condensed summary of the information presented in the illustrations above.

• It is possible to save approximately $190 per year simply by quoting online well ahead of the renewal date
• Drivers age 16 to 20 are charged the highest rates, costing up to $514 per month if they have full coverage
• Increasing deductibles could save as much as $600 each year
• High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,890 more annually than a safer driver
• Drivers who want an increased level of liability coverage will pay an extra $570 annually to increase from a minimum limit to a 250/500 level