Dodge Charger Insurance Rates

The average auto insurance rates for a Dodge Charger are $1,614 annually including full coverage. Comprehensive insurance costs on average $320 each year, collision costs $558, and liability coverage is estimated at $536. Liability-only coverage costs approximately $606 a year, with high-risk coverage costing $3,488 or more. 16-year-old drivers cost the most to insure at $6,134 a year or more.

Average premium for full coverage: $1,614

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Charger models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than congested cities.

The graphic below illustrates how where you live affects car insurance rates.

The examples above highlight why all drivers should get quotes based on a specific location and their own personal driving habits, rather than using rate averages.

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 different risk profiles and scenarios.

• The best full coverage rate is $940
• Choosing higher $1,000 deductibles can save around $200 every year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,614
• Buying low deductibles for comp and collision coverage costs an additional $386 each year
• Drivers with multiple tickets or accidents could pay upwards of $3,488 or more
• Policy cost with full coverage for a teenage driver may cost $6,134 each year

View Chart as Image

Insurance rates for a Dodge Charger also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles may only pay around $1,500 annually on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $6,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,900 to $2,600 additional every year, depending on your age. Insurance for high-risk drivers ranges around 42% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $590 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $483 more each year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Dodge Charger insurance rates. A good driver about age 40 could pay as low as $1,240 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,300 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Each auto insurer utilizes a different rate formula, and rates will be varied between companies.

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 Buy the Best Dodge Charger Insurance

Finding cheaper rates on auto insurance takes being safe and accident-free, having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Take the time to comparison shop every couple of years by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a brief recap of the material that was touched on in the above illustrations.

• Consumers who require more liability protection will pay around $590 per year to raise limits from a 30/60 limit to higher 250/500 limits
• Youthful drivers pay higher rates, with premiums being up to $511 each month if they have full coverage
• Drivers who tend to receive serious violations pay on average $1,870 more each year than a low-risk driver
• Increasing comprehensive and collision deductibles could save up to $575 each year