Dodge Charger Insurance Rates

The average insurance rates for a Dodge Charger are $1,634 a year including full coverage. Comprehensive costs an estimated $332, collision insurance costs $582, and liability insurance costs $520. Liability-only coverage costs as little as $592 a year, and high-risk coverage costs around $3,528. Teen drivers cost the most to insure at up to $6,168 a year.

Average premium for full coverage: $1,634

Policy rates broken down by type of insurance:

Prices are based on $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Charger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than larger metro areas. The price range example below illustrates how geographic area affects insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates for a targeted area, rather than relying on price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $949
• Drivers who choose higher $1,000 deductibles will pay approximately $208 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,634
• Choosing more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $2,036
• High risk drivers with multiple violations and an at-fault accident could pay up to $3,528
• Policy cost that insures a teen driver with full coverage can cost as much as $6,168 a year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying $1,900 to $2,700 additional every year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 130% more than average. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,500 per year on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared 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 $1,250 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,330 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $610 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 more each 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 Affordable Dodge Charger Insurance

Finding cheaper rates on Dodge Charger insurance not only requires avoiding accidents and claims, but also having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Shop around every other policy renewal by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The points below are a brief review of the ideas that were presented in the illustrations above.

• Drivers under the age of 20 are expensive to insure, with premiums being up to $514 each month if comprehensive and collision insurance is included
• High-risk drivers with DUI or reckless driving convictions could be charged and average of $1,890 more annually to insure a Dodge Charger
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• You may be able to save approximately $190 per year just by shopping early and online