Dodge Charger Insurance Rates

The average insurance prices for a Dodge Charger are $1,614 every 12 months including full coverage. Comprehensive insurance costs on average $320 a year, collision costs $558, and liability costs $536. Buying just liability costs as little as $606 a year, with insurance for high-risk drivers costing $3,488 or more. Teen 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:

Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, 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

Your location can make a big difference on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than larger metro areas.

The diagram below illustrates how rural and urban location affects car insurance rates.

The examples above highlight why it is important to compare rates based on a specific location and their own driving history, instead of making a decision based on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $940
• Drivers who choose higher $1,000 deductibles will pay around $1,414 every year
• The average price for a good driver age 40 with $500 deductibles is $1,614
• Choosing low $100 deductibles for comprehensive and collision insurance costs an extra $386 annually
• Drivers with multiple violations and an at-fault accident could pay upwards of $3,488 or more
• Policy cost to insure a 16-year-old driver may cost $6,134 a year

View Chart as Image

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

Choosing high deductibles could save up to $590 annually, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $483 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as low as $1,500 per year on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay upwards 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 are likely paying at a minimum $1,900 to $2,600 extra every year, depending on your age. A high-risk auto insurance policy can cost from 42% to 132% more than average. View High Risk Driver Rates

Your home state makes a big difference in Dodge Charger insurance prices. A 40-year-old driver could pay as low as $1,240 a year in states like Missouri, New Hampshire, and Vermont, or as much as $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 get quotes from multiple companies. Every company uses a different rate calculation, so the rates will be varied.

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 More Affordable Dodge Charger Insurance

Finding cheaper rates on insurance for a Dodge Charger not only requires being a good driver, but also having good credit, paying for small claims out-of-pocket, and bundling your home and auto policies. Set aside time to shop around at every other renewal by getting price quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The following list is a summary of the concepts that were raised in the charts and tables above.

• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,870 more each year than a safer driver
• Drivers age 16 to 20 pay the highest rates, with premiums being up to $511 each month if they have full coverage
• You may be able to save as much as $190 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $575 each year
• You may be able to save as much as $190 per year simply by quoting early and online