Dodge Charger Insurance Rates

Average auto insurance rates for a Dodge Charger are $1,614 annually including full coverage. Comprehensive costs an estimated $320 a year, collision insurance costs $558, and liability coverage is $536. A liability-only policy costs around $606 a year, and high-risk insurance costs around $3,488. Teenage drivers receive the highest rates at up to $6,134 a year.

Average premium for full coverage: $1,614

Rate estimates broken down by individual coverage type:

Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and Charger trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates how location impacts insurance prices.

These examples highlight why it is important to compare rates quotes for a targeted area and their own personal driving habits, rather than using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $940
• Raising to $1,000 deductibles will save approximately $1,414 every year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,614
• Using low $100 deductibles will cost $2,000
• Unlucky drivers who are prone to accidents and violations could pay up to $3,488
• The cost with full coverage for a teenage driver can cost as much as $6,134

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

Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,500 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay at least $6,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,900 to $2,600 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 42% to 132% more than a normal policy. View High Risk Driver Rates

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

Where you live also has a big influence on Dodge Charger insurance rates. A middle-age driver might find rates 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.

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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 Cheaper Dodge Charger Insurance

Saving money on auto insurance consists of avoiding accidents and violations, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Spend time shopping around every couple of years by quoting rates from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The list below is a condensed summary of the material that was touched on above.

• Consumers who want higher liability limits will pay an extra $590 per year to raise from a minimum limit to higher 250/500 limits
• Teenagers are charged the highest rates, as much as $511 per month including comprehensive and collision insurance
• Drivers with multiple at-fault accidents could be forced to pay on average $1,870 more annually for car insurance
• Increasing deductibles could save up to $575 each year