Dodge Charger Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 8, 2024
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Average auto insurance rates for a Dodge Charger are $1,634 annually for full coverage. Comprehensive costs around $332, collision costs $582, and liability is $520. Buying just liability costs around $592 a year, with insurance for high-risk drivers costing around $3,528. Teens receive the highest rates at $6,168 a year or more.
Average premium for full coverage: $1,634
Rate estimates for individual coverage type:
These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and for different Charger trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as cheap as $592 for just liability insurance to a much higher rate of $3,528 for a driver that may need high-risk insurance.
Price Range by Location
Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population tend to have fewer accident claims than cities with more traffic congestion.
The price range example below illustrates how location helps determine auto insurance rates.
These examples show why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own personal driving habits, instead of 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.
More Rate Details
The chart below shows estimated Dodge Charger insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $949
- Raising to $1,000 deductibles will save about $208 a year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,634
- Selecting more expensive low deductibles will cost $2,036
- At-risk drivers with serious driving violations could pay at least $3,528 or more
- The cost with full coverage for a teen driver with full coverage can be $6,168
Auto insurance rates for a Dodge Charger can also vary considerably based on the trim level of your Charger, your driver profile, and deductibles and policy limits.
An older driver with a good driving record and high physical damage deductibles may pay as little as $1,500 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay as much as $6,100 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at least $1,900 to $2,700 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 130% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $610 every year, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $468 extra every year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Dodge Charger insurance prices. A middle-age driver might find rates as low as $1,080 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,330 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,476 | -$158 | -9.7% |
| Alaska | $1,250 | -$384 | -23.5% |
| Arizona | $1,354 | -$280 | -17.1% |
| Arkansas | $1,634 | -$0 | 0.0% |
| California | $1,860 | $226 | 13.8% |
| Colorado | $1,560 | -$74 | -4.5% |
| Connecticut | $1,678 | $44 | 2.7% |
| Delaware | $1,848 | $214 | 13.1% |
| Florida | $2,040 | $406 | 24.8% |
| Georgia | $1,508 | -$126 | -7.7% |
| Hawaii | $1,172 | -$462 | -28.3% |
| Idaho | $1,108 | -$526 | -32.2% |
| Illinois | $1,218 | -$416 | -25.5% |
| Indiana | $1,230 | -$404 | -24.7% |
| Iowa | $1,104 | -$530 | -32.4% |
| Kansas | $1,550 | -$84 | -5.1% |
| Kentucky | $2,228 | $594 | 36.4% |
| Louisiana | $2,418 | $784 | 48.0% |
| Maine | $1,008 | -$626 | -38.3% |
| Maryland | $1,348 | -$286 | -17.5% |
| Massachusetts | $1,304 | -$330 | -20.2% |
| Michigan | $2,836 | $1,202 | 73.6% |
| Minnesota | $1,366 | -$268 | -16.4% |
| Mississippi | $1,956 | $322 | 19.7% |
| Missouri | $1,450 | -$184 | -11.3% |
| Montana | $1,756 | $122 | 7.5% |
| Nebraska | $1,286 | -$348 | -21.3% |
| Nevada | $1,958 | $324 | 19.8% |
| New Hampshire | $1,176 | -$458 | -28.0% |
| New Jersey | $1,826 | $192 | 11.8% |
| New Mexico | $1,446 | -$188 | -11.5% |
| New York | $1,718 | $84 | 5.1% |
| North Carolina | $940 | -$694 | -42.5% |
| North Dakota | $1,338 | -$296 | -18.1% |
| Ohio | $1,128 | -$506 | -31.0% |
| Oklahoma | $1,676 | $42 | 2.6% |
| Oregon | $1,494 | -$140 | -8.6% |
| Pennsylvania | $1,558 | -$76 | -4.7% |
| Rhode Island | $2,180 | $546 | 33.4% |
| South Carolina | $1,480 | -$154 | -9.4% |
| South Dakota | $1,376 | -$258 | -15.8% |
| Tennessee | $1,430 | -$204 | -12.5% |
| Texas | $1,966 | $332 | 20.3% |
| Utah | $1,208 | -$426 | -26.1% |
| Vermont | $1,118 | -$516 | -31.6% |
| Virginia | $978 | -$656 | -40.1% |
| Washington | $1,260 | -$374 | -22.9% |
| West Virginia | $1,496 | -$138 | -8.4% |
| Wisconsin | $1,130 | -$504 | -30.8% |
| Wyoming | $1,456 | -$178 | -10.9% |
With so much variability in rates, the only way to know your exact price is to compare rates and see which company has the best rate. Every auto insurance company calculates rates differently, and quoted rates can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Charger 3.5 | $1,592 | $133 |
| Dodge Charger | $1,592 | $133 |
| Dodge Charger 3.5 AWD | $1,634 | $136 |
| Dodge Charger AWD | $1,634 | $136 |
| Dodge Charger Rallye | $1,634 | $136 |
| Dodge Charger SXT | $1,634 | $136 |
| Dodge Charger SXT AWD | $1,634 | $136 |
| Dodge Charger R/T | $1,674 | $140 |
| Dodge Charger Rallye AWD | $1,674 | $140 |
| Dodge Charger R/T AWD | $1,716 | $143 |
| Dodge Charger SRT-8 | $1,756 | $146 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Dodge Charger | $344 | $596 | $498 | $1,638 |
| 2022 Dodge Charger | $332 | $582 | $520 | $1,634 |
| 2021 Dodge Charger | $320 | $558 | $536 | $1,614 |
| 2020 Dodge Charger | $304 | $538 | $554 | $1,596 |
| 2019 Dodge Charger | $292 | $500 | $564 | $1,556 |
| 2018 Dodge Charger | $280 | $470 | $570 | $1,520 |
| 2017 Dodge Charger | $268 | $422 | $574 | $1,464 |
| 2016 Dodge Charger | $250 | $388 | $574 | $1,412 |
| 2015 Dodge Charger | $242 | $364 | $580 | $1,386 |
| 2014 Dodge Charger | $236 | $340 | $592 | $1,368 |
| 2013 Dodge Charger | $218 | $316 | $592 | $1,326 |
| 2012 Dodge Charger | $212 | $286 | $596 | $1,294 |
| 2011 Dodge Charger | $198 | $262 | $592 | $1,252 |
| 2010 Dodge Charger | $186 | $238 | $592 | $1,216 |
| 2009 Dodge Charger | $180 | $214 | $586 | $1,180 |
| 2008 Dodge Charger | $178 | $208 | $574 | $1,160 |
| 2007 Dodge Charger | $176 | $198 | $564 | $1,138 |
| 2006 Dodge Charger | $160 | $190 | $558 | $1,108 |
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 Buy Cheap Dodge Charger Insurance
Saving money on car insurance consists of having a decent driving record, having above-average credit, eliminating unneeded coverage, and maximizing policy discounts. Invest time comparing rates once a year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.
The following items are a brief summary of the data that was covered in the charts and tables above.
- Drivers can save up to $190 per year simply by shopping early and online
- Policyholders who may need additional liability coverage will pay approximately $570 each year to raise from a minimum limit to higher 250/500 limits
- 16 to 18-year-old drivers are expensive to insure, costing as high as $514 per month if full coverage is included
- Higher risk drivers that tend to have accidents or serious violations pay an average of $1,890 more every year than a driver with a clean driving record
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,168 |
| 20 | $3,764 |
| 30 | $1,696 |
| 40 | $1,634 |
| 50 | $1,492 |
| 60 | $1,462 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,036 |
| $250 | $1,852 |
| $500 | $1,634 |
| $1,000 | $1,426 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,634 |
| 50/100 | $1,860 |
| 100/300 | $1,990 |
| 250/500 | $2,328 |
| 100 CSL | $1,912 |
| 300 CSL | $2,198 |
| 500 CSL | $2,406 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,784 |
| 20 | $5,988 |
| 30 | $3,598 |
| 40 | $3,528 |
| 50 | $3,368 |
| 60 | $3,334 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $86 |
| Multi-vehicle | $86 |
| Homeowner | $25 |
| 5-yr Accident Free | $117 |
| 5-yr Claim Free | $105 |
| Paid in Full/EFT | $72 |
| Advance Quote | $79 |
| Online Quote | $115 |
| Total Discounts | $685 |
Discounts are estimated and may not be available from every company or in every state.
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