Dodge Charger Insurance Rates

U.S. average insurance prices for a Dodge Charger are $1,634 every 12 months for full coverage. Comprehensive insurance costs an estimated $332 each year, collision costs $582, and liability costs $520. Buying just liability costs as little as $592 a year, with insurance for high-risk drivers costing $3,528 or more. Teenage drivers pay the highest rates at $6,168 a year or more.

Average premium for full coverage: $1,634

Price estimates broken down by individual coverage:

Price estimates include $500 deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and Charger models.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on insurance rates. More rural locations have more infrequent accident claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

The ranges above show why all drivers should compare rates for a targeted area and their own driving history, instead of making a decision based on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $949
• Drivers who choose higher $1,000 deductibles will pay approximately $208 a year
• The average price for the average middle-age driver who has $500 deductibles is $1,634
• Using low deductibles for comprehensive and collision insurance costs an extra $402 annually
• Drivers who are prone to accidents and violations could pay up to $3,528 or more
• The price to insure a 16-year-old driver can cost as much as $6,168 a year

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Insurance prices for a Dodge Charger are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.

Using high physical damage deductibles could save up to $610 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $468 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,500 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay at least $6,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying $1,900 to $2,700 additional each year, depending on your age. Insurance for high-risk drivers can cost from 44% to 130% more than a normal policy. View High Risk Driver Rates

The state you live in makes a big difference in Dodge Charger insurance prices. A 40-year-old driver could pay as low as $1,080 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,330 on average in New York, Louisiana, and Michigan.

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Since prices can be so different, the only way to know which car insurance is cheapest is to do a rate comparison from multiple companies. Every company uses a different method to calculate prices, and prices may be quite 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 Cheaper Dodge Charger Insurance

Getting lower rates on insurance for a Dodge Charger not only requires not taking risks behind the wheel, but also having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates every time your policy renews by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a condensed summary of the information covered above.

• Drivers can save approximately $190 per year simply by quoting online in advance
• Teens are expensive to insure, with premiums as much as $514 a month if full coverage is included
• Increasing physical damage deductibles could save as much as $600 each year
• Drivers considered higher risk with multiple at-fault accidents pay on average $1,890 more annually for Charger insurance
• Insureds who want higher liability limits will pay an extra $570 each year to go from a low limit to a 250/500 level