Dodge Charger Insurance Rates

Estimated auto insurance rates for a Dodge Charger are $1,634 annually including full coverage. Comprehensive insurance costs around $332 a year, collision costs $582, and liability costs $520. Liability-only coverage costs as little as $592 a year, with high-risk coverage costing $3,528 or more. Teens pay the most at $6,168 a year or more.

Average premium for full coverage: $1,634

Premium estimates for type of coverage:

These estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Charger trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how rural and urban location affects auto insurance rates.

These rate differences highlight why it is important to compare rates for a specific zip code and their own personal driving habits, instead of using averaged prices.

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

Rate Comparisons

The chart below breaks down estimated Dodge Charger insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $949
• Drivers who choose higher $1,000 deductibles will pay about $1,426 every year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,634
• Selecting low $100 deductibles for comprehensive and collision insurance costs an additional $402 every year
• Higher-risk drivers with serious driving violations could pay at least $3,528 or more
• An auto insurance policy with full coverage for a teen driver can be $6,168 a year

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Insurance prices for a Dodge Charger also have a wide range based on the model of your Charger, your driving characteristics, and deductibles and policy limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $1,500 per year on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $6,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at least $1,900 to $2,700 extra annually, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $610 every year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $468 more per year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Dodge Charger insurance prices. A 40-year-old driver could pay as low as $1,250 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,330 on average in Michigan, New York, and Louisiana.

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With such a large range in prices, the best way to figure out your exact price is to get quotes and see which company has the best price. Every company calculates prices differently, so the prices will be substantially different between companies.

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 Cheap Dodge Charger Insurance

Finding better rates on car insurance not only requires being a safe and courteous driver, but also having a good credit history, refrain from filing small claims, and insuring your home and auto with the same company. Set aside time to shop around at least once a year by getting rate quotes from direct car insurance companies, and also from your local independent and exclusive agents.

Below is a brief summary of the primary concepts that were raised in the charts and tables above.

• You may be able to save up to $190 per year simply by quoting early and online
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,890 more every year for auto insurance
• Increasing policy deductibles could save up to $600 each year
• Teenage drivers pay higher prices, with the cost nearing $514 per month including comprehensive and collision insurance