Dodge Charger Insurance Rates

The average insurance rates for a Dodge Charger are $1,634 a year for full coverage. Comprehensive insurance costs an estimated $332 each year, collision costs $582, and liability coverage costs around $520. Buying just liability costs as low as $592 a year, with insurance for high-risk drivers costing $3,528 or more. 16-year-old drivers cost the most to insure at $6,168 a year or more.

Average premium for full coverage: $1,634

Policy rates broken down by type of insurance:

Includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Charger models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. More rural locations are shown to have lower incidents of accident claims than congested cities.

The graphic below illustrates how your location can change insurance prices.

The examples above show why all drivers should compare prices for a targeted area, rather than using rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $949
• Using higher $1,000 deductibles will save approximately $208 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,634
• Buying low deductibles for physical damage coverage will cost an additional $402 each year
• Higher-risk drivers with multiple tickets or accidents could pay up to $3,528 or more
• Policy cost that insures a teenage driver can cost as much as $6,168 or more

View Chart as Image

Insurance rates for a Dodge Charger also range considerably based on the trim level and model year, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,900 to $2,700 extra every year, depending on your age. Insurance for high-risk drivers can be around 44% to 130% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay at least $6,100 a year. View Rates by Age

Your home state has a huge impact on Dodge Charger insurance rates. A driver around age 40 might see rates as low as $1,080 a year in states like Iowa, Maine, and Idaho, or at least $2,330 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $610 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison and see how they stack up. Each insurance company utilizes a different rate formula, 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 Find the Cheapest Dodge Charger Insurance

Finding cheaper rates on auto insurance requires being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Comparison shop at every other renewal by requesting rates from direct carriers, and also from your local independent and exclusive agents.

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

• Drivers that have major violations or accidents may pay on average $1,890 more annually to insure their Charger
• Teen drivers are charged the highest rates, costing up to $514 each month if full coverage is included
• Drivers can save approximately $190 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• Drivers can save approximately $190 per year simply by quoting online in advance