Dodge Charger Insurance Rates

Average insurance rates for a Dodge Charger are $1,614 a year for full coverage insurance. Comprehensive insurance costs on average $320, collision costs $558, and liability coverage is estimated at $536. Buying just liability costs approximately $606 a year, with insurance for high-risk drivers costing $3,488 or more. Teens receive the highest rates at $6,134 a year or more.

Average premium for full coverage: $1,614

Rate estimates by individual coverage type:

Price estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and for different Charger trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on insurance rates. Rural areas tend to have lower incidents of physical damage claims than cities with more traffic congestion.

The price range example below illustrates how location impacts car insurance rates.

These examples illustrate why anyone shopping for car insurance should get quotes based on a specific location, rather than using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $940
• Choosing higher $1,000 deductibles can save around $200 each year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,614
• Selecting more expensive low deductibles for comp and collision coverage will cost an additional $386 each year
• Drivers with serious driving violations could pay upwards of $3,488 or more
• The cost that insures a teenage driver with full coverage may cost $6,134 each year

View Chart as Image

Auto insurance rates for a Dodge Charger can also vary considerably based on the model year and trim level, your age and driving record, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are probably paying at a minimum $1,900 to $2,600 in extra premium per year, depending on your age. High-risk driver insurance ranges around 42% to 132% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,500 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay upwards of $6,100 a year. View Rates by Age

Where you live plays a big part in determining prices for Dodge Charger insurance rates. A good driver about age 40 could pay as low as $1,050 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,180 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $590 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $483 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out exactly what you will pay is to compare rates and see how they stack up. Each auto insurer calculates rates differently, and quoted rates can be significantly different.

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 Cheaper Dodge Charger Insurance

Saving money on auto insurance takes avoiding accidents and claims, maintaining a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Compare rates every couple of years by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a condensed summary of the material that was touched on above.

• Consumers who require increased liability limits will pay approximately $590 annually to raise limits from a minimum limit to the 250/500 level
• Drivers under the age of 20 are charged the highest rates, costing up to $511 per month if the policy includes full coverage
• Drivers with multiple at-fault accidents may pay on average $1,870 more each year to insure a Dodge Charger
• Increasing deductibles can save approximately $575 each year