Dodge Charger Insurance Rates

U.S. average auto insurance rates for a Dodge Charger are $1,614 annually including full coverage. Comprehensive costs around $320, collision insurance costs $558, and liability coverage is estimated at $536. Liability-only coverage costs approximately $606 a year, and high-risk coverage 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 for individual coverage:

Prices include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for different Charger trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than densely populated cities. The price range example below illustrates how location impacts auto insurance rates.

The ranges above highlight why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, rather than using average rates.

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

Additional Rate Information

The chart below breaks down average Dodge Charger insurance rates for additional coverage choices and driver risks.

• The best discount rate is $940
• Choosing higher $1,000 deductibles can save about $200 every year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,614
• Using more expensive low deductibles for comp and collision coverage will cost $2,000
• Drivers who are prone to accidents and violations could pay at least $3,488
• The price with full coverage for a teenage driver with full coverage can be $6,134 each year

View Chart as Image

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

An older driver with a good driving record and high physical damage deductibles may only pay around $1,500 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay as much as $6,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at least $1,900 to $2,600 in extra premium each year, depending on your age. High-risk driver insurance ranges around 42% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $590 a year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $483 extra every year. View Rates by Deductible or Liability Limit

The state you live in 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 Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,300 on average in Michigan, New York, and Louisiana.

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 the Right Dodge Charger Insurance

Getting lower rates on auto insurance takes avoiding accidents and violations, having above-average credit, being claim-free, and possibly raising deductibles. Spend time shopping around every time your policy renews by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The list below is a quick rundown of the information touched on above.

• You may be able to save up to $190 per year just by shopping early and online
• Teenagers are expensive to insure, possibly costing $511 a month if full coverage is included
• Increasing physical damage deductibles could save up to $575 each year
• Drivers with reckless driving or DUI convictions may pay on average $1,870 more every year for car insurance
• Consumers who may need higher liability limits will pay an extra $590 per year to raise limits from a low limit to higher 250/500 limits