Dodge Charger Insurance Rates

The average auto insurance rates for a Dodge Charger are $1,614 annually for full coverage. Comprehensive insurance costs an estimated $320 a year, collision costs $558, and liability insurance 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 broken down by type of insurance:

Estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and Charger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. More rural locations are shown to have fewer accident claims than densely populated cities.

The diagram below illustrates how location impacts insurance prices.

The examples above show why it is important to get quotes for a targeted area and their own personal driving habits, rather than relying on average rates.

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

Detailed Rate Analysis

The chart below shows estimated Dodge Charger insurance rates for other coverage scenarios.

• The best discount rate is $940
• Choosing higher $1,000 deductibles can save approximately $1,414 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,614
• Using low $100 deductibles for comp and collision coverage costs an additional $386 a year
• High-risk insureds who are prone to accidents and violations could pay up to $3,488 or more
• Policy cost with full coverage for a teen driver can cost as much as $6,134 each year

View Chart as Image

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

Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,500 annually on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay at least $6,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying $1,900 to $2,600 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 42% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $590 each year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $483 more per year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Dodge Charger insurance rates. A good driver about age 40 could pay as low as $1,070 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,300 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate rates, so the rates will be varied between companies.

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 Low Cost Dodge Charger Insurance

Finding cheaper rates on Dodge Charger insurance takes being a low-risk driver, having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Spend time shopping around every time your policy renews by quoting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a review of the information touched on above.

• Drivers can save approximately $190 per year simply by quoting early and online
• Teen drivers are charged the highest rates, costing up to $511 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles could save up to $575 each year
• High-risk drivers who have several accidents or serious violations may pay on average $1,870 more annually to insure their Charger
• Drivers who want more liability coverage will pay an extra $590 each year to raise limits from a 30/60 limit to higher 250/500 limits