Dodge Charger Insurance Rates

Average insurance rates for a Dodge Charger are $1,614 a year with full coverage. Comprehensive costs an estimated $320, collision costs $558, and liability is $536. A policy with just liability insurance costs around $606 a year, with coverage for high-risk drivers costing around $3,488. Teen drivers receive the highest rates at $6,134 a year or more.

Average premium for full coverage: $1,614

Rate estimates broken down by individual coverage type:

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and for all Charger models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. More rural locations tend to have lower incidents of collision claims than larger metro areas.

The example below illustrates how location helps determine insurance prices.

These examples demonstrate why everyone should compare rates quotes for a targeted area, instead of using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $940
• Raising to $1,000 deductibles will save approximately $200 annually
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,614
• Choosing pricier low deductibles bumps up the cost to $2,000
• At-risk drivers with multiple violations and an at-fault accident could pay up to $3,488 or more
• The cost that insures a teen driver for full coverage can cost as much as $6,134

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Insurance rates for a Dodge Charger can also vary considerably based on the model of your Charger, your age and driving habits, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you may be forking out $1,900 to $2,600 additional per year, depending on your age. Dodge Charger insurance for high-risk drivers is expensive and can cost as much as 42% to 132% more than average. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,500 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay at least $6,100 a year. View Rates by Age

Where you live also has a big influence on Dodge Charger insurance prices. A middle-age driver might find rates as low as $1,160 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,180 on average in New York, Michigan, and Florida.

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Choosing high deductibles can reduce rates by up to $590 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $483 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out which company is cheapest is to regularly compare rates and see which company has the best rate. Every auto insurance company uses a different rate calculation, and 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 Find Cheaper Dodge Charger Insurance

Saving money on car insurance consists of being a good driver, having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Shop around at least once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a condensed summary of the primary concepts that were covered in the charts and tables above.

• You may be able to save approximately $190 per year simply by quoting online well ahead of the renewal date
• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,870 more annually than a safer driver
• Increasing deductibles can save approximately $575 each year
• Drivers age 16 to 20 are expensive to insure, with premiums as much as $511 per month if comprehensive and collision insurance is included