Dodge Charger Insurance Rates

U.S. average insurance rates for a Dodge Charger are $1,614 a year including full coverage. Comprehensive costs approximately $320 a year, collision insurance costs $558, and liability coverage costs around $536. Liability-only coverage costs as low as $606 a year, and high-risk coverage costs around $3,488. Teenage drivers pay the highest rates at up to $6,134 a year.

Average premium for full coverage: $1,614

Price estimates by individual coverage:

Rates are based on $500 deductible amounts, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and Charger trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than densely populated cities. The diagram below illustrates the effect of geographic area on auto insurance prices.

The ranges above highlight why it is important to compare prices using their specific location, rather than using average rates.

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

Additional Rate Information

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

• The best discount rate is $940
• Using higher $1,000 deductibles will save $1,414 every year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,614
• Using low $100 deductibles for physical damage coverage bumps up the cost to $2,000
• Higher-risk drivers who are prone to accidents and violations could pay around $3,488
• The price that insures a teenage driver can cost $6,134 or more

View Chart as Image

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

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,900 to $2,600 in extra premium each year, depending on your age. A high-risk auto insurance policy can be around 42% to 132% more than a normal 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 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $6,100 a year. View Rates by Age

The state you live in has a huge impact on Dodge Charger insurance rates. A driver around age 40 might see prices as low as $1,240 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,300 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $590 a year, while buying higher liability limits will push prices upward. Changing 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

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 requires having a good driving record, maintaining a good credit score, being claim-free, and possibly higher deductibles. Compare prices every time your policy renews by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.

The next list is a quick review of the information covered in the above illustrations.

• You may be able to save around $190 per year just by quoting early and online
• Drivers age 20 and younger have the highest car insurance prices, possibly costing $511 a month if the policy includes full coverage
• Increasing physical damage deductibles can save approximately $575 each year
• Drivers with a DUI or reckless driving violation will likely pay on average $1,870 more per year to buy Dodge Charger insurance
• Consumers who purchase increased levels of liability coverage will pay an extra $590 per year to increase from a low limit to the 250/500 level