Dodge Charger Insurance Rates

U.S. average insurance rates for a Dodge Charger are $1,634 a year including full coverage. Comprehensive insurance costs around $332 each year, collision costs $582, and liability insurance is estimated at $520. A policy with just liability insurance costs approximately $592 a year, with coverage for high-risk drivers costing $3,528 or more. Teenage drivers pay the highest rates at $6,168 a year or more.

Average premium for full coverage: $1,634

Price estimates for individual coverage:

Includes $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Charger models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how geographic area affects auto insurance rates.

The ranges above highlight why all drivers should get quotes for a specific zip code, rather than relying on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $949
• Choosing higher $1,000 deductibles can save about $208 every year
• The estimated price for the average middle-age driver using $500 deductibles is $1,634
• Using low deductibles for comp and collision coverage will cost an additional $402 a year
• High-risk insureds who are prone to accidents and violations could pay at least $3,528 or more
• The price that insures a teen driver can be $6,168 each year

View Chart as Image

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

If you have some driving violations or you caused an accident, you are likely paying at least $1,900 to $2,700 extra each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,500 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay as much as $6,100 a year. View Rates by Age

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 $1,250 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,330 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can save as much as $610 each year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $468 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate prices, so the prices may be quite 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 the Cheapest Dodge Charger Insurance

Getting lower rates on Dodge Charger insurance takes avoiding accidents and claims, having above-average credit, being claim-free, and insuring your home and auto with the same company. Compare prices every year by quoting rates from direct car insurance companies, and also from local insurance agencies.

The points below are a recap of the coverage data presented in the illustrations above.

• You may be able to save up to $190 per year simply by quoting online in advance
• Increasing physical damage deductibles can save approximately $600 each year
• Drivers under the age of 20 pay higher prices, possibly costing $514 a month if full coverage is included
• High-risk drivers that have major violations or accidents may have to pay on average $1,890 more every year to insure a Dodge Charger