Dodge Charger Insurance Rates

U.S. average auto insurance rates for a Dodge Charger are $1,634 annually for full coverage. Comprehensive costs an estimated $332 each year, collision costs $582, and liability insurance costs $520. Liability-only insurance costs as little as $592 a year, with high-risk driver insurance costing around $3,528. Teenage drivers pay the highest rates at $6,168 a year or more.

Average premium for full coverage: $1,634

Price estimates broken down by individual coverage:

Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and Charger models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on insurance rates. More rural locations have fewer accident claims than densely populated cities.

The graphic below illustrates how location impacts insurance prices.

The ranges above show why all drivers should compare rates for a targeted area and their own personal driving habits, rather than relying on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $949
• Drivers who choose higher $1,000 deductibles will pay approximately $208 a year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,634
• Using low deductibles for comprehensive and collision insurance will cost $2,036
• High risk drivers who are prone to accidents and violations could pay up to $3,528 or more
• The price with full coverage for a teen driver can cost as much as $6,168 a year

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Car insurance prices for a Dodge Charger are also quite variable based on the trim level and model year, your driver profile, and liability limits and deductibles.

More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,500 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged at least $6,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying $1,900 to $2,700 extra each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $610 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury 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

The state you live in makes a big difference in Dodge Charger insurance rates. A 40-year-old driver could pay as low as $1,080 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,330 on average in New York, Louisiana, and Michigan.

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Since prices can be so different, the only way to know which car insurance is cheapest is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate prices, so rate quotes may be quite different between companies.

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 Buy More Affordable Dodge Charger Insurance

Getting lower rates on Dodge Charger insurance not only requires being a good driver, but also having a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Spend time shopping around every year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a summary of the coverage data touched on above.

• Drivers can save approximately $190 per year simply by quoting online in advance
• Increasing physical damage deductibles could save up to $600 each year
• Drivers age 16 to 20 have the highest car insurance prices, with premiums as much as $514 a month if comprehensive and collision insurance is included
• High-risk drivers who have multiple accidents or major violations may pay on average $1,890 more annually than a safer driver