Dodge Charger Insurance Rates

U.S. average auto insurance rates for a Dodge Charger are $1,614 annually for full coverage insurance. Comprehensive costs on average $320 a year, collision insurance costs $558, and liability costs $536. Liability-only coverage costs as little as $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 by individual coverage:

These estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and Charger trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on insurance rates. Rural areas have fewer physical damage claims than densely populated cities. The diagram below illustrates how your location can change car insurance rates.

The ranges above illustrate why it is important to compare rates based on a specific location and their own personal driving habits, instead of using average rates.

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

Rate Comparisons

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

• The best discount rate is $940
• Drivers who choose higher $1,000 deductibles will pay around $1,414 each year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,614
• Using low $100 deductibles for comprehensive and collision insurance will cost $2,000
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,488
• The price with full coverage for a teen driver may cost $6,134 a 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 risk profile, and policy deductibles and limits.

Older drivers 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 upwards of $6,100 a year. View Rates by Age

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

Using high physical damage deductibles could save up to $590 every year, while buying higher liability limits will cost you more. Switching 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 makes a big difference in Dodge Charger insurance prices. A 40-year-old driver could pay 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.

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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 Cheap Dodge Charger Insurance

Getting lower rates on car insurance not only requires avoiding accidents and violations, but also having above-average credit, not filing small claims, and deciding if full coverage is necessary. Invest the time to shop around every couple of years by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The list below is a brief summary of the material that was illustrated above.

• Policyholders who require higher liability limits will pay an extra $590 annually to go from a low limit to higher 250/500 limits
• Teenagers are charged the highest prices, as much as $511 a month if full coverage is included
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,870 more each year for car insurance
• Increasing physical damage deductibles could save up to $575 each year