Dodge Charger Insurance Rates

Average insurance rates for a Dodge Charger are $1,614 a year for full coverage insurance. Comprehensive insurance costs an estimated $320, collision costs $558, and liability costs $536. Buying just liability costs as little as $606 a year, with insurance for high-risk drivers costing $3,488 or more. Teens receive the highest rates at $6,134 a year or more.

Average premium for full coverage: $1,614

Rate estimates broken down by individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than cities with more traffic congestion.

The price range example below illustrates the difference location can make on insurance prices.

These examples illustrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, instead of using averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $940
• Drivers who choose higher $1,000 deductibles will pay approximately $200 each year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,614
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost an extra $386 every year
• Higher-risk drivers with serious driving violations could pay up to $3,488 or more
• The cost for full coverage for a teen driver with full coverage can cost as much as $6,134 a year

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

An older driver with a good driving record and high deductibles may pay as little as $1,500 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay at least $6,100 a year. View Rates by Age

Where you live makes a big difference in Dodge Charger insurance prices. A 40-year-old driver could pay as low as $1,050 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,180 on average in Florida, New York, and Michigan.

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Choosing higher comprehensive and collision insurance deductibles could save up to $590 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $483 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,900 to $2,600 in extra premium per year, depending on your age. High-risk driver insurance can cost as much as 42% to 132% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out which company is cheapest is to compare rates and see which company has the best rate. Every company calculates rates differently, and quoted 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 car insurance not only requires not taking risks behind the wheel, but also having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates every year by requesting quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

The following is a review of the coverage data touched on in this article.

• It is possible to save approximately $190 per year simply by shopping early and online
• Increasing deductibles can save around $575 each year
• Teens are the costliest to insure, costing up to $511 per month if they have full coverage
• Higher risk drivers who have several accidents or serious violations pay on average $1,870 more annually for Charger insurance