Dodge Charger Insurance Rates

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UPDATED: Jun 8, 2024

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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:

Comprehensive $320
Collision $558
Liability $536

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

For the average driver, prices range go from the low end price of $606 for a discount liability-only rate to a much higher rate of $3,488 for high-risk insurance.

Liability Only $606
Full Coverage $1,614
High Risk $3,488

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.

Rural Areas $1,211
Small Cities $1,695
Large Cities $2,179

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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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

Dodge Charger insurance cost comparison chart
Column chart showing full coverage Dodge Charger insurance prices range from $940 to $6,134

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.

Dodge Charger Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,458 -$156 -9.7%
Alaska $1,238 -$376 -23.3%
Arizona $1,338 -$276 -17.1%
Arkansas $1,614 -$0 0.0%
California $1,840 $226 14.0%
Colorado $1,540 -$74 -4.6%
Connecticut $1,658 $44 2.7%
Delaware $1,828 $214 13.3%
Florida $2,016 $402 24.9%
Georgia $1,488 -$126 -7.8%
Hawaii $1,158 -$456 -28.3%
Idaho $1,096 -$518 -32.1%
Illinois $1,204 -$410 -25.4%
Indiana $1,216 -$398 -24.7%
Iowa $1,090 -$524 -32.5%
Kansas $1,532 -$82 -5.1%
Kentucky $2,200 $586 36.3%
Louisiana $2,390 $776 48.1%
Maine $998 -$616 -38.2%
Maryland $1,330 -$284 -17.6%
Massachusetts $1,288 -$326 -20.2%
Michigan $2,802 $1,188 73.6%
Minnesota $1,350 -$264 -16.4%
Mississippi $1,932 $318 19.7%
Missouri $1,430 -$184 -11.4%
Montana $1,732 $118 7.3%
Nebraska $1,270 -$344 -21.3%
Nevada $1,934 $320 19.8%
New Hampshire $1,162 -$452 -28.0%
New Jersey $1,802 $188 11.6%
New Mexico $1,430 -$184 -11.4%
New York $1,696 $82 5.1%
North Carolina $926 -$688 -42.6%
North Dakota $1,322 -$292 -18.1%
Ohio $1,114 -$500 -31.0%
Oklahoma $1,656 $42 2.6%
Oregon $1,478 -$136 -8.4%
Pennsylvania $1,540 -$74 -4.6%
Rhode Island $2,154 $540 33.5%
South Carolina $1,460 -$154 -9.5%
South Dakota $1,360 -$254 -15.7%
Tennessee $1,412 -$202 -12.5%
Texas $1,944 $330 20.4%
Utah $1,196 -$418 -25.9%
Vermont $1,102 -$512 -31.7%
Virginia $966 -$648 -40.1%
Washington $1,246 -$368 -22.8%
West Virginia $1,480 -$134 -8.3%
Wisconsin $1,118 -$496 -30.7%
Wyoming $1,438 -$176 -10.9%

View Chart as Image

Dodge Charger insurance rates by U.S. city

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

Dodge Charger Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Dodge Charger 3.5 $1,576 $131
Dodge Charger $1,576 $131
Dodge Charger 3.5 AWD $1,614 $135
Dodge Charger AWD $1,614 $135
Dodge Charger Rallye $1,614 $135
Dodge Charger SXT $1,614 $135
Dodge Charger SXT AWD $1,614 $135
Dodge Charger R/T $1,654 $138
Dodge Charger Rallye AWD $1,654 $138
Dodge Charger R/T AWD $1,692 $141
Dodge Charger SRT-8 $1,732 $144

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.

Dodge Charger Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2023 Dodge Charger $332 $582 $520 $1,634
2022 Dodge Charger $320 $558 $536 $1,614
2021 Dodge Charger $304 $538 $554 $1,596
2020 Dodge Charger $292 $500 $564 $1,556
2019 Dodge Charger $280 $470 $570 $1,520
2018 Dodge Charger $268 $422 $574 $1,464
2017 Dodge Charger $250 $388 $574 $1,412
2016 Dodge Charger $242 $364 $580 $1,386
2015 Dodge Charger $236 $340 $592 $1,368
2014 Dodge Charger $218 $316 $592 $1,326
2013 Dodge Charger $212 $286 $596 $1,294
2012 Dodge Charger $198 $262 $592 $1,252
2011 Dodge Charger $186 $238 $592 $1,216
2010 Dodge Charger $180 $214 $586 $1,180
2009 Dodge Charger $178 $208 $574 $1,160
2008 Dodge Charger $176 $198 $564 $1,138
2007 Dodge Charger $160 $190 $558 $1,108
2006 Dodge Charger $154 $180 $554 $1,088

Rates are averaged for all Dodge Charger models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

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

Rates by Driver Age

Dodge Charger Insurance Rates by Driver Age
Driver Age Premium
16 $6,134
20 $3,718
30 $1,670
40 $1,614
50 $1,474
60 $1,444

Full coverage, $500 deductibles

Rates by Deductible

Dodge Charger Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,000
$250 $1,822
$500 $1,614
$1,000 $1,414

Full coverage, driver age 40

Rates by Liability Limit

Dodge Charger Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,614
50/100 $1,839
100/300 $1,973
250/500 $2,322
100 CSL $1,893
300 CSL $2,188
500 CSL $2,402

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Charger Insurance Rates for High Risk Drivers
Age Premium
16 $8,730
20 $5,918
30 $3,554
40 $3,488
50 $3,332
60 $3,298

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $223

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $85
Multi-vehicle $85
Homeowner $25
5-yr Accident Free $114
5-yr Claim Free $104
Paid in Full/EFT $70
Advance Quote $78
Online Quote $113
Total Discounts $674
Rate after discounts $940

Discounts are estimated and may not be available from every company or in every state.

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