Dodge Charger Insurance Rates

Estimated insurance rates for a Dodge Charger are $1,614 a year including full coverage. Comprehensive costs approximately $320 each 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 pay the most at up to $6,134 a year.

Average premium for full coverage: $1,614

Premium estimates by type of coverage:

Estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Charger models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance prices. Rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities. The graphic below illustrates the difference location can make on auto insurance prices.

These rate differences highlight why all drivers should compare prices using their specific location and risk profile, instead of using average rates.

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

Rate Comparisons

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 $200 every year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,614
• Using low deductibles for physical damage coverage will increase the cost to $2,000
• Drivers who are prone to accidents and violations could pay around $3,488
• An auto insurance policy for full coverage for a teen driver can cost $6,134 or more

View Chart as Image

Insurance prices for a Dodge Charger also have a wide range based on your driving characteristics, the model of your Charger, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles may pay as little as $1,500 a year, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay in the ballpark of $6,100 a year. View Rates by Age

Where you choose to live has a huge impact on Dodge Charger insurance prices. 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 every year, whereas increasing liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will cost up to $483 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying anywhere from $1,900 to $2,600 extra annually, depending on your age. Insurance for high-risk drivers 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 Low Cost Dodge Charger Insurance

Finding better rates on car insurance requires being a safe and courteous driver, maintaining good credit, refrain from filing small claims, and possibly raising deductibles. Make time to compare rates every other policy renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below is a review of the ideas that were touched on in this article.

• Teenage drivers are expensive to insure, with the cost nearing $511 per month for full coverage
• Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,870 more per year for auto insurance
• Increasing policy deductibles can save around $575 each year
• You may be able to save around $190 per year just by quoting online in advance