Dodge Charger Insurance Rates

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UPDATED: Jun 8, 2024

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Estimated auto insurance rates for a Dodge Charger are $1,614 annually with full coverage. Comprehensive costs around $320, collision costs $558, and liability coverage costs $536. A policy with only liability insurance costs as little as $606 a year, with a high-risk policy costing around $3,488. 16-year-old drivers pay the most at $6,134 a year or more.

Average premium for full coverage: $1,614

Premium estimates for type of coverage:

Comprehensive $320
Collision $558
Liability $536

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and for all Charger models.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Dodge Charger go from as cheap as $606 for just liability coverage to the much higher price of $3,488 for a driver required to buy high-risk insurance.

Liability Only $606
Full Coverage $1,614
High Risk $3,488

Insurance Price Range by Location

Your location has a large influence on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than congested cities.

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

Rural Areas $1,211
Small Cities $1,695
Large Cities $2,179

These rate differences demonstrate why everyone should compare rates for a specific zip code and their own personal driving habits, rather than using rate averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Detailed Rate Analysis

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

  • The best full coverage rate is $940
  • Drivers who choose higher $1,000 deductibles will pay about $200 annually
  • The estimated rate for a 40-year-old good driver using $500 deductibles is $1,614
  • Buying pricier low deductibles for comprehensive and collision insurance will cost $2,000
  • High-risk insureds with multiple tickets or accidents could pay at least $3,488 or more
  • An auto insurance policy with full coverage for a teenage driver for full coverage can be $6,134 a year

View Chart as Image

Dodge Charger insurance cost comparison chart
Column chart showing full coverage Dodge Charger insurance rates range from $940 to $6,134

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

A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,500 per year on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged as much as $6,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at least $1,900 to $2,600 extra annually, depending on your age. Dodge Charger insurance for high-risk drivers can cost around 42% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $590 a year, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $483 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Dodge Charger insurance rates. A 40-year-old driver could pay as low as $1,160 a year in states like New Hampshire, Ohio, and Utah, or at least $2,180 on average in Florida, Michigan, and New York.

Dodge Charger Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,458 -$156 -9.7%
Alaska $1,238 -$376 -23.3%
Arizona $1,338 -$276 -17.1%
Arkansas $1,614 -$0 0.0%
California $1,840 $226 14.0%
Colorado $1,540 -$74 -4.6%
Connecticut $1,658 $44 2.7%
Delaware $1,828 $214 13.3%
Florida $2,016 $402 24.9%
Georgia $1,488 -$126 -7.8%
Hawaii $1,158 -$456 -28.3%
Idaho $1,096 -$518 -32.1%
Illinois $1,204 -$410 -25.4%
Indiana $1,216 -$398 -24.7%
Iowa $1,090 -$524 -32.5%
Kansas $1,532 -$82 -5.1%
Kentucky $2,200 $586 36.3%
Louisiana $2,390 $776 48.1%
Maine $998 -$616 -38.2%
Maryland $1,330 -$284 -17.6%
Massachusetts $1,288 -$326 -20.2%
Michigan $2,802 $1,188 73.6%
Minnesota $1,350 -$264 -16.4%
Mississippi $1,932 $318 19.7%
Missouri $1,430 -$184 -11.4%
Montana $1,732 $118 7.3%
Nebraska $1,270 -$344 -21.3%
Nevada $1,934 $320 19.8%
New Hampshire $1,162 -$452 -28.0%
New Jersey $1,802 $188 11.6%
New Mexico $1,430 -$184 -11.4%
New York $1,696 $82 5.1%
North Carolina $926 -$688 -42.6%
North Dakota $1,322 -$292 -18.1%
Ohio $1,114 -$500 -31.0%
Oklahoma $1,656 $42 2.6%
Oregon $1,478 -$136 -8.4%
Pennsylvania $1,540 -$74 -4.6%
Rhode Island $2,154 $540 33.5%
South Carolina $1,460 -$154 -9.5%
South Dakota $1,360 -$254 -15.7%
Tennessee $1,412 -$202 -12.5%
Texas $1,944 $330 20.4%
Utah $1,196 -$418 -25.9%
Vermont $1,102 -$512 -31.7%
Virginia $966 -$648 -40.1%
Washington $1,246 -$368 -22.8%
West Virginia $1,480 -$134 -8.3%
Wisconsin $1,118 -$496 -30.7%
Wyoming $1,438 -$176 -10.9%

View Chart as Image

Dodge Charger insurance rates by U.S. city

With such a large range in prices, the best way to find out your exact price is to regularly compare prices and see how they stack up. Every company utilizes a different rate formula, so rate quotes will be substantially different between companies.

Insurance Rates by Trim Level and Model Year

Dodge Charger Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Dodge Charger 3.5 $1,576 $131
Dodge Charger $1,576 $131
Dodge Charger 3.5 AWD $1,614 $135
Dodge Charger AWD $1,614 $135
Dodge Charger Rallye $1,614 $135
Dodge Charger SXT $1,614 $135
Dodge Charger SXT AWD $1,614 $135
Dodge Charger R/T $1,654 $138
Dodge Charger Rallye AWD $1,654 $138
Dodge Charger R/T AWD $1,692 $141
Dodge Charger SRT-8 $1,732 $144

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.

Dodge Charger Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2023 Dodge Charger $332 $582 $520 $1,634
2022 Dodge Charger $320 $558 $536 $1,614
2021 Dodge Charger $304 $538 $554 $1,596
2020 Dodge Charger $292 $500 $564 $1,556
2019 Dodge Charger $280 $470 $570 $1,520
2018 Dodge Charger $268 $422 $574 $1,464
2017 Dodge Charger $250 $388 $574 $1,412
2016 Dodge Charger $242 $364 $580 $1,386
2015 Dodge Charger $236 $340 $592 $1,368
2014 Dodge Charger $218 $316 $592 $1,326
2013 Dodge Charger $212 $286 $596 $1,294
2012 Dodge Charger $198 $262 $592 $1,252
2011 Dodge Charger $186 $238 $592 $1,216
2010 Dodge Charger $180 $214 $586 $1,180
2009 Dodge Charger $178 $208 $574 $1,160
2008 Dodge Charger $176 $198 $564 $1,138
2007 Dodge Charger $160 $190 $558 $1,108
2006 Dodge Charger $154 $180 $554 $1,088

Rates are averaged for all Dodge Charger models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy More Affordable Dodge Charger Insurance

Finding better rates on auto insurance not only requires being a good driver, but also having a good credit score, being claim-free, and qualifying for all possible discounts. Set aside time to shop around at every policy renewal by getting rate quotes from direct companies, and also from local exclusive and independent agents.

The following list is a summary of the data raised in the charts and tables above.

  • Consumers who may need an increased level of liability coverage will pay around $590 every year to go from 30/60 bodily injury limits to higher 250/500 limits
  • You may be able to save up to $190 per year simply by quoting online well ahead of the renewal date
  • Increasing policy deductibles could save up to $575 each year
  • Drivers age 16 to 20 are the costliest to insure, possibly costing $511 per month if comprehensive and collision insurance is included

Rates by Driver Age

Dodge Charger Insurance Rates by Driver Age
Driver Age Premium
16 $6,134
20 $3,718
30 $1,670
40 $1,614
50 $1,474
60 $1,444

Full coverage, $500 deductibles

Rates by Deductible

Dodge Charger Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,000
$250 $1,822
$500 $1,614
$1,000 $1,414

Full coverage, driver age 40

Rates by Liability Limit

Dodge Charger Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,614
50/100 $1,839
100/300 $1,973
250/500 $2,322
100 CSL $1,893
300 CSL $2,188
500 CSL $2,402

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Charger Insurance Rates for High Risk Drivers
Age Premium
16 $8,730
20 $5,918
30 $3,554
40 $3,488
50 $3,332
60 $3,298

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $223

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $85
Multi-vehicle $85
Homeowner $25
5-yr Accident Free $114
5-yr Claim Free $104
Paid in Full/EFT $70
Advance Quote $78
Online Quote $113
Total Discounts $674
Rate after discounts $940

Discounts are estimated and may not be available from every company or in every state.

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