Dodge Charger Insurance Rates

The average insurance rates for a Dodge Charger are $1,614 a year including full coverage. Comprehensive costs on average $320 a year, collision insurance costs $558, and liability costs around $536. Liability-only coverage costs as low as $606 a year, and high-risk coverage costs around $3,488. 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:

Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and Charger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than densely populated cities. The diagram below illustrates how rural and urban location affects car insurance rates.

The examples above highlight why it is important to compare prices based on a specific location and risk profile, instead of using average rates.

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

More Rate Information

The chart below breaks down average Dodge Charger insurance rates for different risk profiles and scenarios.

• The best discount rate is $940
• Using higher $1,000 deductibles will save around $1,414 every year
• The average rate for a good driver age 40 with $500 deductibles is $1,614
• Using low $100 deductibles for physical damage coverage will increase the cost to $2,000
• Drivers who are prone to accidents and violations could pay upwards of $3,488
• Policy cost for full coverage for a teen driver may cost $6,134 or more

View Chart as Image

Insurance rates for a Dodge Charger also range considerably based on your risk profile, the model of your Charger, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles may pay as little as $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $6,100 a year. View Rates by Age

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

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $590 every year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $483 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,900 to $2,600 additional every year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 132% more than a normal policy. View High Risk Driver Rates

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 More Affordable Dodge Charger Insurance

Finding cheaper rates on car insurance requires being safe and accident-free, having a good credit history, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Set aside time to shop around every other policy renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a summary of the ideas that were raised in the charts and tables above.

• Youthful drivers pay higher rates, with premiums being up to $511 each month including comprehensive and collision insurance
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,870 more each year than a low-risk driver
• Increasing comprehensive and collision deductibles can save around $575 each year
• You may be able to save as much as $190 per year just by quoting early and online