Dodge Charger Insurance Rates

U.S. average insurance rates for a Dodge Charger are $1,614 a year for full coverage insurance. Comprehensive costs on average $320 a year, collision insurance costs $558, and liability coverage costs around $536. A policy with just liability insurance costs as low as $606 a year, and coverage for high-risk drivers costs around $3,488. Teenage drivers pay the highest rates at up to $6,134 a year.

Average premium for full coverage: $1,614

Price estimates by individual coverage:

Prices include $500 physical damage deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and Charger trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on insurance rates. Rural areas have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates how location helps determine car insurance rates.

The ranges above illustrate why it is important to compare prices based on a specific location and risk profile, rather than using average rates.

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

Additional Charts and Tables

The chart below illustrates average Dodge Charger insurance rates for different risk profiles and scenarios.

• The best discount rate is $940
• Using higher $1,000 deductibles will save around $1,414 each year
• The average rate for the average middle-age driver with $500 deductibles is $1,614
• Using low $100 deductibles for physical damage coverage will increase the cost to $2,000
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,488
• The price for full coverage for a teenage driver may cost $6,134 or more

View Chart as Image

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

Older drivers with a clean driving record and high deductibles may only pay around $1,500 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay upwards of $6,100 a year. View Rates by Age

The state you live in has a huge impact on Dodge Charger insurance rates. A driver around age 40 might see prices as low as $1,050 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,180 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $590 a year, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $483 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,900 to $2,600 extra each year, depending on your age. A high-risk auto insurance policy can be around 42% to 132% more than a normal policy. View High Risk Driver Rates

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 the Right Dodge Charger Insurance

Getting lower rates on auto insurance requires being a safe and courteous driver, maintaining good credit, not filing small claims, and determing if full coverage is necessary. Invest time comparing rates at least once a year by getting price quotes from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.

Below is a quick rundown of the primary concepts that were covered in the charts and tables above.

• It is possible to save as much as $190 per year just by quoting early and online
• Drivers with reckless driving or DUI convictions pay an average of $1,870 more each year for auto insurance
• Increasing physical damage deductibles can save around $575 each year
• Teenage drivers pay the highest prices, as much as $511 a month for full coverage