Dodge Charger Insurance Rates

The average insurance rates for a Dodge Charger are $1,614 a year including full coverage. Comprehensive insurance costs an estimated $320, collision costs $558, and liability costs around $536. Liability-only coverage costs as low as $606 a year, with high-risk coverage 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:

Prices include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Charger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how location helps determine insurance prices.

The examples above highlight why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $940
• Using higher $1,000 deductibles will save approximately $200 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,614
• Using more expensive low deductibles for physical damage coverage will cost an extra $386 every year
• Drivers who are prone to accidents and violations could pay up to $3,488 or more
• Policy cost for full coverage for a teen driver with full coverage can cost as much as $6,134 or more

View Chart as Image

Insurance rates for a Dodge Charger also range considerably based on your risk profile, the model of your Charger, and liability limits and deductibles.

An older driver with no violations or accidents and high deductibles may pay as little as $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $6,100 a year. View Rates by Age

Your home state has a huge impact on Dodge Charger insurance prices. A driver around age 40 might see 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.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $590 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $483 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,900 to $2,600 additional every year, depending on your age. High-risk driver insurance can be as much as 42% to 132% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates and see which company has the best rate. Each insurance company uses a different method to calculate rates, and rates will be varied from one company to the next.

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 Right Dodge Charger Insurance

Finding cheaper rates on car insurance requires having a decent driving record, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Invest time comparing rates at least every other year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following items are a quick rundown of the car insurance concepts covered in the charts and tables above.

• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,870 more annually than a driver with a clean driving record
• You may be able to save approximately $190 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $575 each year
• Policyholders who want additional liability coverage will pay an extra $590 per year to increase from a 30/60 limit to 250/500 limits