Dodge Charger Insurance Rates

U.S. average auto insurance rates for a Dodge Charger are $1,634 annually with full coverage. Comprehensive costs an estimated $332, collision costs $582, and liability costs $520. Liability-only coverage costs as little as $592 a year, with high-risk coverage costing around $3,528. Teens 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 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and for all Charger models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance rates. More rural locations have fewer collision claims than cities with more traffic congestion.

The example below illustrates the difference location can make on insurance prices.

The ranges above demonstrate why everyone should compare rates for a targeted area and their own personal driving habits, instead of using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $949
• Drivers who choose higher $1,000 deductibles will pay approximately $208 annually
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,634
• Selecting pricier low deductibles for comprehensive and collision insurance will cost $2,036
• Higher-risk drivers with serious driving violations could pay up to $3,528 or more
• The price with full coverage for a teen driver for full coverage can cost as much as $6,168 a year

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

A more mature driver with a good driving record and high physical damage deductibles may 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 have to pay at least $6,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $1,900 to $2,700 in extra premium each year, depending on your age. Dodge Charger insurance for high-risk drivers can cost as much as 44% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $610 every year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $468 extra every year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Dodge Charger insurance prices. A 40-year-old driver could pay as low as $1,180 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,200 on average in New York, Michigan, and Florida.

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Since prices can be so different, the best way to find out which car insurance is cheapest is to regularly compare prices and see which company has the best price. Every company calculates prices differently, and quoted prices 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 car insurance not only requires having a decent driving record, but also having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates every couple of years by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following items are a summary of the material that was touched on in this article.

• Policyholders who want additional liability coverage will pay approximately $570 every year to go from a low limit to higher 250/500 limits
• 16 to 18-year-old drivers are the costliest to insure, costing up to $514 a month if full coverage is included
• Higher risk drivers who have multiple accidents or major violations pay on average $1,890 more annually than a driver with a clean driving record
• Increasing physical damage deductibles could save up to $600 each year