Dodge Charger Insurance Rates

The average insurance prices for a Dodge Charger are $1,614 every 12 months with full coverage. Comprehensive insurance costs approximately $320, collision insurance costs $558, and liability costs around $536. Liability-only insurance costs as low as $606 a year, and high-risk driver insurance costs $3,488 or more. Teenage drivers cost the most to insure at up to $6,134 a year.

Average premium for full coverage: $1,614

Policy rates by type of insurance:

Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for different Charger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. Rural locations are shown to have more infrequent collision claims than densely populated cities. The price range example below illustrates how where you live affects auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare prices using their specific location and their own driving history, instead of making a decision based on average rates.

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

Rates by State, City, and Model

The chart below details average Dodge Charger insurance rates for additional coverage and risk scenarios.

• The best discount rate is $940
• Using higher $1,000 deductibles will save $200 annually
• The average price for a good driver age 40 who chooses $500 deductibles is $1,614
• Using more expensive low deductibles for physical damage coverage costs an extra $386 annually
• High-risk insureds who are prone to accidents and violations could pay around $3,488
• Policy cost to insure a 16-year-old driver with full coverage can cost $6,134 or more

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Auto insurance rates for a Dodge Charger also range considerably based on liability limits and deductibles, your driving record, and the model of your Charger.

Using high physical damage deductibles could cut rates by as much as $590 annually, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $483 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as low as $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay in the ballpark of $6,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $1,900 to $2,600 in extra premium every year, depending on your age. High-risk driver insurance can be from 42% to 132% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Dodge Charger insurance prices. A driver around age 40 might see rates as low as $1,160 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,180 on average in New York, Michigan, and Florida.

View Chart as Image

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 Shop for Low Cost Dodge Charger Insurance

Finding cheaper rates on insurance for a Dodge Charger requires avoiding accidents and claims, having a good credit score, not filing small claims, and possibly higher deductibles. Take the time to comparison shop every time your policy renews by getting rate quotes from direct companies, and also from insurance agencies where you live.

The points below are a review of the information touched on in the above illustrations.

• You may be able to save around $190 per year just by shopping early and online
• Drivers under the age of 20 have the highest car insurance rates, as much as $511 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save as much as $575 each year
• Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $1,870 more per year to insure a Dodge Charger
• Insureds who purchase increased liability limits will pay an extra $590 every year to increase from a 30/60 limit to a 250/500 level