Dodge Charger Insurance Rates

Estimated auto insurance rates for a Dodge Charger are $1,634 annually for full coverage insurance. Comprehensive costs an estimated $332, collision insurance costs $582, and liability is estimated at $520. A liability-only policy costs approximately $592 a year, and high-risk insurance costs around $3,528. Teen drivers pay the most at up to $6,168 a year.

Average premium for full coverage: $1,634

Premium estimates broken down by type of coverage:

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for different Charger trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on the price of insurance. More rural locations are statistically proven to have fewer physical damage claims than larger metro areas. The price range example below illustrates how location helps determine insurance prices.

These rate differences illustrate why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, instead of using price averages.

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

Additional Rate Analysis

The chart below illustrates average Dodge Charger insurance rates for other coverage scenarios.

• The lowest rate with discounts is $949
• Choosing higher $1,000 deductibles can save approximately $208 each year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,634
• Choosing more expensive low deductibles for comp and collision coverage will cost $2,036
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $3,528
• An auto insurance policy with full coverage for a teen driver with full coverage can cost as much as $6,168 each year

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Auto insurance prices for a Dodge Charger also have a wide range based on the model of your Charger, your risk profile, and liability limits and deductibles.

An older driver with a good driving record and high physical damage deductibles may pay as little as $1,500 annually on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay at least $6,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying $1,900 to $2,700 in extra premium annually, depending on your age. High-risk driver insurance ranges as much as 44% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $610 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $468 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Dodge Charger insurance prices. A good driver about age 40 could pay as low as $1,070 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,200 on average in Florida, New York, and Michigan.

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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 Buy Affordable Dodge Charger Insurance

Finding better rates on car insurance takes avoiding accidents and violations, having above-average credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest time comparing rates every couple of years by requesting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The list below is a brief review of the material that was covered in the charts and tables above.

• Policyholders who want higher liability limits will pay about $570 annually to raise limits from 30/60 bodily injury limits to higher 250/500 limits
• Teenagers are the costliest to insure, with premiums being up to $514 per month if full coverage is included
• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,890 more annually for car insurance
• Increasing policy deductibles could save up to $600 each year