Dodge Charger Insurance Rates

U.S. average insurance rates for a Dodge Charger are $1,614 a year with full coverage. Comprehensive insurance costs around $320 a year, collision costs $558, and liability coverage is $536. Liability-only coverage costs around $606 a year, with high-risk coverage costing $3,488 or more. Teens pay the highest rates at $6,134 a year or more.

Average premium for full coverage: $1,614

Price estimates for individual coverage:

Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and Charger trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population have lower incidents of collision claims than cities with more traffic congestion.

The diagram below illustrates how your location can change auto insurance rates.

The ranges above demonstrate why it is important to compare rates quotes for a specific zip code, rather than using averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $940
• Raising to $1,000 deductibles will save about $1,414 annually
• The estimated price for the average middle-age driver using $500 deductibles is $1,614
• Selecting low $100 deductibles will cost an additional $386 each year
• Unlucky drivers with serious driving violations could pay at least $3,488 or more
• The price that insures a teenage driver can be $6,134

View Chart as Image

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

If you have some driving violations or you caused an accident, you may be forking out at least $1,900 to $2,600 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 132% more than the average policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,500 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay as much as $6,100 a year. View Rates by Age

The state you live in also has a big influence on Dodge Charger insurance rates. A middle-age driver might find prices as low as $1,160 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,180 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $590 a year, while buying higher liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $483 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out your exact price is to get quotes and see how they stack up. Every auto insurance company calculates prices differently, and quoted 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 Best Cheap Dodge Charger Insurance

Getting lower rates on auto insurance consists of being a good driver, maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Compare rates at least once a year by requesting rates from direct companies, and also from your local independent and exclusive agents.

The following list is a quick review of the primary concepts that were illustrated above.

• You may be able to save up to $190 per year simply by quoting early and online
• Drivers with a DUI or reckless driving violation may pay on average $1,870 more every year than a safer driver
• Increasing physical damage deductibles can save approximately $575 each year
• Drivers age 16 to 20 are expensive to insure, costing up to $511 a month if the policy includes full coverage