Dodge Charger Insurance Rates

Estimated insurance prices for a Dodge Charger are $1,614 every 12 months including full coverage. Comprehensive costs on average $320 each year, collision costs $558, and liability coverage costs around $536. A policy with only liability insurance costs as low as $606 a year, with a high-risk policy costing around $3,488. 16-year-old drivers pay the most at $6,134 a year or more.

Average premium for full coverage: $1,614

Premium estimates by type of coverage:

Rate estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and Charger models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than congested cities.

The graphic below illustrates how your location can change car insurance rates.

These rate differences highlight why all drivers should compare prices based on a specific location and their own driving history, rather than using rate 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 best full coverage rate is $940
• Using higher $1,000 deductibles will save around $200 every year
• The average price for a 40-year-old good driver with $500 deductibles is $1,614
• Buying low deductibles for physical damage coverage increases the price to $2,000
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,488 or more
• An auto insurance policy to insure a teenage driver may cost $6,134 or more

View Chart as Image

Car insurance prices for a Dodge Charger also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your Charger.

Opting for high physical damage deductibles could cut prices by as much as $590 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $483 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged upwards of $6,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,900 to $2,600 extra annually, depending on your age. Insurance for high-risk drivers can be around 42% to 132% more than the average rate. View High Risk Driver Rates

Where you choose to live has a huge impact on Dodge Charger insurance rates. A driver around age 40 might see prices as low as $1,240 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,300 on average in Michigan, New York, and Louisiana.

View Chart as Image

With such a large range in prices, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Each insurance company utilizes a different rate formula, so rate quotes will be substantially different.

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 the Best Dodge Charger Insurance

Finding better rates on auto insurance requires being a low-risk driver, maintaining a good credit score, refrain from filing small claims, and maximizing policy discounts. Invest the time to shop around at every other renewal by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The items below are a brief recap of the concepts that were illustrated above.

• Drivers who tend to receive serious violations may pay on average $1,870 more each year to insure their Charger
• Teen drivers are expensive to insure, with the cost nearing $511 per month if the policy includes full coverage
• You may be able to save as much as $190 per year simply by quoting online in advance
• Increasing policy deductibles could save as much as $575 each year
• You may be able to save as much as $190 per year simply by quoting online in advance