Dodge Charger Insurance Rates

The average insurance prices for a Dodge Charger are $1,614 every 12 months for full coverage. Comprehensive insurance costs around $320 each year, collision costs $558, and liability is estimated at $536. Buying just liability costs approximately $606 a year, with insurance for high-risk drivers costing $3,488 or more. Teenage drivers cost the most to insure at $6,134 a year or more.

Average premium for full coverage: $1,614

Policy rates for type of insurance:

These estimates include $500 deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Charger models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than densely populated cities.

The graphic below illustrates how location helps determine auto insurance rates.

The examples above show why all drivers should get quotes for a specific zip code and their own driving history, instead of using average rates.

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

Rate Comparisons

The chart below shows estimated Dodge Charger insurance rates for additional coverage choices and driver risks.

• The best discount rate is $940
• Choosing higher $1,000 deductibles can save about $200 a year
• The average price for a good driver age 40 using $500 deductibles is $1,614
• Using low deductibles for comp and collision coverage costs an extra $386 every year
• Unlucky drivers who are prone to accidents and violations could pay at least $3,488 or more
• Policy cost to insure a teen driver can be $6,134 each year

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Insurance rates for a Dodge Charger also range considerably based on liability limits and deductibles, your driver profile, and the trim level and model year.

Using high physical damage deductibles can save as much as $590 every year, whereas increasing liability limits will increase rates. Going 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

More mature drivers with a clean driving record and higher deductibles may pay as little as $1,500 annually on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay as much as $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 could be paying at least $1,900 to $2,600 extra every year, depending on your age. Insurance for high-risk drivers ranges as much as 42% to 132% more than a normal policy. View High Risk Driver Rates

Your home state 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 Idaho, Maine, and Iowa, or be forced to pay as much as $2,300 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know your exact price is to do a rate comparison and see which company has the best rate. Each auto insurer uses a different method to calculate rates, 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 Cheap Dodge Charger Insurance

Finding cheaper rates on car insurance takes not taking risks behind the wheel, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest time comparing rates at every policy renewal by quoting rates from direct carriers, and also from local exclusive and independent agents.

The following is a brief summary of the data covered in the charts and tables above.

• Policyholders who may need higher liability limits will pay an extra $590 each year to raise limits from a 30/60 limit to a 250/500 level
• Drivers can save up to $190 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $575 each year
• Teens pay higher rates, costing up to $511 each month if they have full coverage