Dodge Charger Insurance Rates

U.S. average insurance rates for a Dodge Charger are $1,614 a year for full coverage. Comprehensive insurance costs around $320, collision costs $558, and liability coverage costs $536. Liability-only insurance costs as little as $606 a year, with high-risk driver insurance costing $3,488 or more. Teens pay the highest rates at $6,134 a year or more.

Average premium for full coverage: $1,614

Price estimates for individual coverage:

Estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for all Charger models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than cities with more traffic congestion.

The example below illustrates how where you live affects auto insurance rates.

The ranges above show why everyone should compare rates for a specific zip code and risk profile, rather than using averaged prices.

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

Rate Comparisons

The chart below shows estimated Dodge Charger insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $940
• Drivers who choose higher $1,000 deductibles will pay about $200 a year
• The average rate for the average middle-age driver using $500 deductibles is $1,614
• Selecting pricier low deductibles for comprehensive and collision insurance will cost an extra $386 each year
• High-risk insureds with serious driving violations could pay at least $3,488 or more
• The price for full coverage for a teenage driver for full coverage can be $6,134 a year

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Car insurance prices for a Dodge Charger are also quite variable based on your driving record, the trim level of your Charger, and deductibles and policy limits.

A more mature driver with no driving violations and high deductibles may only pay around $1,500 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged as much as $6,100 a year. View Rates by Age

The state you live in makes a big difference in Dodge Charger insurance rates. A 40-year-old driver could pay as low as $1,070 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,300 on average in Michigan, Louisiana, and New York.

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Choosing higher comprehensive and collision insurance deductibles could save up to $590 a year, whereas buying more liability protection will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $483 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $1,900 to $2,600 extra each year, depending on your age. Dodge Charger insurance for high-risk drivers can cost around 42% to 132% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the only way to know your exact price is to regularly compare prices and see how they stack up. Every company calculates prices differently, so rate quotes may be quite different from one company to the next.

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 Low Cost Dodge Charger Insurance

Getting lower rates on auto insurance not only requires being safe and accident-free, but also having above-average credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Take the time to comparison shop every year by getting rate quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

Below you'll find a review of the coverage data touched on in the above illustrations.

• Drivers can save up to $190 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $575 each year
• Youthful drivers are the costliest to insure, with premiums as much as $511 a month if full coverage is included
• Drivers who have several accidents or serious violations may be required to pay an average of $1,870 more every year than a low-risk driver