Dodge Charger Insurance Rates

U.S. average insurance rates for a Dodge Charger are $1,614 a year for full coverage. Comprehensive insurance costs on average $320, collision costs $558, and liability insurance costs $536. Liability-only coverage costs as little as $606 a year, with high-risk coverage costing $3,488 or more. 16-year-old drivers pay the highest rates at $6,134 a year or more.

Average premium for full coverage: $1,614

Price estimates by individual coverage:

Estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for all Charger models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance rates. Rural areas have a lower frequency of accident claims than congested cities.

The example below illustrates how location impacts car insurance rates.

The ranges above show why everyone should compare rates based on a specific location and risk profile, rather than relying on rate averages.

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

Rate Comparisons

The chart below shows estimated Dodge Charger insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $940
• Drivers who choose higher $1,000 deductibles will pay around $200 a year
• The average rate for the average middle-age driver with $500 deductibles is $1,614
• Buying pricier low deductibles for comprehensive and collision insurance will cost an extra $386 a year
• High risk drivers with multiple tickets or accidents could pay upwards of $3,488 or more
• The price for full coverage for a teen driver for full coverage may cost $6,134 a year

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Auto insurance prices for a Dodge Charger are also quite variable based on your driving record, the trim level of your Charger, and policy deductibles and limits.

A more mature driver with a good driving record and high deductibles could pay as little as $1,500 per year on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay upwards of $6,100 a year. View Rates by Age

The state you live in 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 Idaho, Maine, and Iowa, or at least $2,300 on average in Michigan, Louisiana, and New York.

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

If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,900 to $2,600 in extra premium each year, depending on your age. Dodge Charger insurance for high-risk drivers can cost anywhere from 42% to 132% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the only way to know exactly what you will pay is to regularly compare prices from as many companies as possible. Every company utilizes a different rate formula, and quoted prices may be quite different 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 Low Cost Dodge Charger Insurance

Getting lower rates on Dodge Charger insurance not only requires being safe and accident-free, but also having good credit, eliminating unnecessary coverage, and taking advantage of discounts. Spend time shopping around once a year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from your local insurance agents.

Below you'll find a review of the data that was touched on above.

• Drivers can save as much as $190 per year simply by quoting online well ahead of the renewal date
• Drivers who require more liability protection will pay around $590 each year to go from a low limit to 250/500 limits
• Youthful drivers are charged the highest prices, with premiums as much as $511 a month if they have full coverage
• High-risk drivers who have several accidents or serious violations will pay on average $1,870 more each year than a low-risk driver