Dodge Charger Insurance Rates

The average insurance prices for a Dodge Charger are $1,634 every 12 months including full coverage. Comprehensive insurance costs approximately $332, collision costs $582, and liability insurance costs $520. Buying just liability costs as little as $592 a year, with insurance for high-risk drivers costing $3,528 or more. Teens cost the most to insure at $6,168 a year or more.

Average premium for full coverage: $1,634

Policy rates by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for different Charger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates using their specific location and their own driving history, rather than relying on averaged prices.

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

Additional Rate Information

The chart below breaks down estimated Dodge Charger insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $949
• Drivers who choose higher $1,000 deductibles will pay $208 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,634
• Selecting more expensive low deductibles for comprehensive and collision insurance costs an extra $402 a year
• High risk drivers with serious driving violations could pay around $3,528 or more
• Policy cost to insure a teen driver with full coverage can cost $6,168 a year

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Insurance rates for a Dodge Charger also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Charger.

Choosing higher comprehensive and collision insurance deductibles could save up to $610 each year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $468 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles could pay as little as $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay in the ballpark of $6,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,900 to $2,700 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in Dodge Charger insurance rates. A 40-year-old driver could pay as low as $1,250 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,330 on average in Louisiana, New York, and Michigan.

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Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to compare rates from as many companies as possible. Every company calculates rates differently, so the rates will be varied.

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 Shop for Cheaper Dodge Charger Insurance

Finding cheaper rates on Dodge Charger insurance not only requires avoiding accidents and violations, but also having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to compare rates every other policy renewal by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The list below is a condensed summary of the ideas that were covered above.

• Teenagers are expensive to insure, with premiums being up to $514 each month if they have full coverage
• High-risk drivers with multiple at-fault accidents could be charged and average of $1,890 more per year for car insurance
• Increasing comprehensive and collision deductibles could save as much as $600 each year
• You may be able to save around $190 per year simply by shopping early and online