Dodge Charger Insurance Rates

Average insurance prices for a Dodge Charger are $1,614 every 12 months for full coverage. Comprehensive costs an estimated $320 a year, collision insurance costs $558, and liability coverage costs $536. A liability-only policy costs as little as $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:

Estimates include $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and Charger trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on insurance rates. More rural locations tend to have more infrequent accident claims than densely populated cities. The diagram below illustrates how where you live affects insurance prices.

These examples show why it is important to compare rates for a targeted area and their own driving history, rather than using average rates.

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

Rate Comparisons

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

• The best discount rate is $940
• Drivers who choose higher $1,000 deductibles will pay approximately $1,414 a year
• The average price for a 40-year-old driver who has $500 deductibles is $1,614
• Using low $100 deductibles for comprehensive and collision insurance increases the price to $2,000
• High-risk insureds who are prone to accidents and violations could pay up to $3,488
• The cost to insure a teenage driver can cost as much as $6,134 a year

View Chart as Image

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

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

Older drivers with a clean driving record and higher deductibles may only pay around $1,500 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay at least $6,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying $1,900 to $2,600 extra per year, depending on your age. A high-risk auto insurance policy can cost around 42% to 132% more than a normal policy. View High Risk Driver Rates

Where you live makes a big difference in Dodge Charger insurance rates. A 40-year-old driver 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

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 Low Cost Dodge Charger Insurance

Saving money on auto insurance not only requires being safe and accident-free, but also having good credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Take the time to comparison shop every couple of years by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a review of the material that was touched on in the above illustrations.

• Consumers who want more liability protection will pay an extra $590 each year to go from a minimum limit to a 250/500 level
• Youthful drivers are charged the highest rates, costing as high as $511 per month if they have full coverage
• Drivers who have several accidents or serious violations pay on average $1,870 more annually than a low-risk driver
• Increasing deductibles could save as much as $575 each year