Dodge Charger Insurance Rates

The average auto insurance rates for a Dodge Charger are $1,614 annually including full coverage. Comprehensive costs an estimated $320 each year, collision insurance costs $558, and liability coverage is estimated at $536. A liability-only policy costs approximately $606 a year, and high-risk insurance costs around $3,488. Teen drivers cost the most to insure at up to $6,134 a year.

Average premium for full coverage: $1,614

Policy rates broken down by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Charger models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than larger metro areas. The graphic below illustrates how rural and urban location affects insurance prices.

The examples above highlight why all drivers should get quotes for a targeted area and their own personal driving habits, rather than using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $940
• Choosing higher $1,000 deductibles can save approximately $200 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,614
• Choosing low deductibles for comp and collision coverage will cost $2,000
• Drivers with multiple violations and an at-fault accident could pay up to $3,488
• Policy cost with full coverage for a teenage driver can cost as much as $6,134 each year

View Chart as Image

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

More mature drivers with no driving violations and high physical damage deductibles may only pay around $1,500 annually on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged at least $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 are likely paying $1,900 to $2,600 extra every year, depending on your age. Insurance for high-risk drivers ranges around 42% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $590 a year, whereas increasing liability limits will increase premiums. Changing 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 plays a big part in determining prices for Dodge Charger insurance rates. A good driver about age 40 could pay as low as $1,240 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,300 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 Affordable Dodge Charger Insurance

Finding cheaper rates on auto insurance takes avoiding accidents and violations, having a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Set aside time to shop around every time your policy renews by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The list below is a brief review of the information raised in the charts and tables above.

• You may be able to save approximately $190 per year just by quoting online in advance
• Teenagers have the highest car insurance rates, with premiums being up to $511 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save up to $575 each year
• Drivers with DUI or reckless driving convictions could be forced to pay on average $1,870 more annually for car insurance
• Consumers who want higher liability limits will pay about $590 per year to raise limits from a 30/60 limit to higher 250/500 limits