Dodge Charger Insurance Rates

The average auto insurance rates for a Dodge Charger are $1,614 annually with full coverage. Comprehensive insurance costs approximately $320, collision insurance costs $558, and liability costs $536. A liability-only policy costs as little as $606 a year, and high-risk 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 by type of insurance:

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for all Charger models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. Rural locations are shown to have fewer collision claims than densely populated cities. The example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above demonstrate why everyone should compare rates using their specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below details average Dodge Charger insurance rates for additional coverage and risk scenarios.

• The best discount rate is $940
• Drivers who choose higher $1,000 deductibles will pay $200 annually
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,614
• Using pricier low deductibles for comprehensive and collision insurance costs an additional $386 annually
• Drivers who are prone to accidents and violations could pay around $3,488
• Policy cost with full coverage for a 16-year-old driver for full coverage can cost $6,134 a year

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

A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged in the ballpark of $6,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,900 to $2,600 extra every year, depending on your age. Dodge Charger insurance for high-risk drivers can cost from 42% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $590 annually, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $483 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Dodge Charger insurance prices. 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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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 Cheap Dodge Charger Insurance

Finding cheaper rates on insurance for a Dodge Charger not only requires avoiding accidents and claims, but also having a good credit score, not filing small claims, and attention to physical damage deductibles. Set aside time to compare rates every year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a brief summary of the coverage data covered above.

• You may be able to save around $190 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save up to $575 each year
• Drivers under the age of 20 pay the highest auto insurance rates, as much as $511 each month if comprehensive and collision insurance is included
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,870 more per year to insure a Dodge Charger