Dodge Charger Insurance Rates

Average insurance rates for a Dodge Charger are $1,634 a year for full coverage insurance. Comprehensive insurance costs on average $332, collision costs $582, and liability coverage is $520. A policy with just liability insurance costs around $592 a year, with coverage for high-risk drivers costing $3,528 or more. Teens receive the highest rates at $6,168 a year or more.

Average premium for full coverage: $1,634

Rate estimates by individual coverage type:

Estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for different Charger trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than cities with more traffic congestion.

The price range example below illustrates the effect of geographic area on car insurance rates.

These examples illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, rather than using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $949
• Raising to $1,000 deductibles will save around $208 each year
• The average rate for a 40-year-old driver with $500 deductibles is $1,634
• Selecting more expensive low deductibles will cost an extra $402 each year
• Unlucky drivers with serious driving violations could pay upwards of $3,528 or more
• The cost for full coverage for a teenage driver with full coverage may cost $6,168

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

An older driver with no violations or accidents and high deductibles may only pay around $1,500 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay upwards of $6,100 a year. View Rates by Age

Where you live also has a big influence on Dodge Charger insurance rates. A middle-age driver might find rates as low as $1,070 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,200 on average in Michigan, New York, and Florida.

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Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $610 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $468 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,900 to $2,700 additional per year, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 130% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out exactly what you will pay is to compare rates and see how they stack up. Every auto insurance company calculates rates differently, and rates can be significantly 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

Saving money on auto insurance consists of avoiding accidents and violations, having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Take the time to compare rates every time your policy renews by requesting rates from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.

The list below is a review of the information covered in the above illustrations.

• It is possible to save as much as $190 per year simply by shopping early and online
• Teenagers pay higher rates, costing up to $514 per month including comprehensive and collision insurance
• Increasing deductibles can save around $600 each year
• Drivers who have several accidents or serious violations pay an average of $1,890 more each year for car insurance
• Consumers who require higher liability limits will pay approximately $570 annually to raise from a minimum limit to 250/500 limits