Dodge Charger Insurance Rates

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UPDATED: Jun 8, 2024

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Estimated insurance rates for a Dodge Charger are $1,634 a year for full coverage. Comprehensive costs around $332 each year, collision insurance costs $582, and liability insurance is estimated at $520. Liability-only coverage costs approximately $592 a year, and high-risk coverage costs around $3,528. Teen drivers pay the most at up to $6,168 a year.

Average premium for full coverage: $1,634

Premium estimates for type of coverage:

Comprehensive $332
Collision $582
Liability $520

Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and Charger models.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Dodge Charger range from the low end price of $592 for liability-only coverage to a high rate of $3,528 for a driver that may need high-risk insurance.

Liability Only $592
Full Coverage $1,634
High Risk $3,528

Insurance Price Range by Location

Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population are statistically proven to have lower incidents of accident claims than larger metro areas. The graphic below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $1,226
Small Cities $1,716
Large Cities $2,206

These rate differences show why all drivers should get quotes for a specific zip code, rather than relying on price 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.

Additional Charts and Tables

The chart below shows average Dodge Charger insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $949
  • Choosing higher $1,000 deductibles can save about $208 a year
  • The estimated price for a 40-year-old good driver using $500 deductibles is $1,634
  • Choosing low deductibles for comp and collision coverage bumps up the cost to $2,036
  • High-risk insureds with multiple violations and an at-fault accident could pay at least $3,528
  • An auto insurance policy that insures a teen driver can be $6,168 each year

View Chart as Image

Dodge Charger insurance cost comparison chart
Column chart showing Dodge Charger insurance rates range from $949 to $6,168 for full coverage

Insurance prices for a Dodge Charger also have a wide range based on the trim level and model year, how you drive, and deductibles and policy limits.

If you have a few violations or you caused an accident, you could be paying at least $1,900 to $2,700 extra annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 130% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,500 annually on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay as much as $6,100 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Dodge Charger insurance rates. A good driver about age 40 could pay as low as $1,080 a year in states like Idaho, Maine, and Iowa, or as much as $2,330 on average in Michigan, Louisiana, and New York.

Dodge Charger Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,476 -$158 -9.7%
Alaska $1,250 -$384 -23.5%
Arizona $1,354 -$280 -17.1%
Arkansas $1,634 -$0 0.0%
California $1,860 $226 13.8%
Colorado $1,560 -$74 -4.5%
Connecticut $1,678 $44 2.7%
Delaware $1,848 $214 13.1%
Florida $2,040 $406 24.8%
Georgia $1,508 -$126 -7.7%
Hawaii $1,172 -$462 -28.3%
Idaho $1,108 -$526 -32.2%
Illinois $1,218 -$416 -25.5%
Indiana $1,230 -$404 -24.7%
Iowa $1,104 -$530 -32.4%
Kansas $1,550 -$84 -5.1%
Kentucky $2,228 $594 36.4%
Louisiana $2,418 $784 48.0%
Maine $1,008 -$626 -38.3%
Maryland $1,348 -$286 -17.5%
Massachusetts $1,304 -$330 -20.2%
Michigan $2,836 $1,202 73.6%
Minnesota $1,366 -$268 -16.4%
Mississippi $1,956 $322 19.7%
Missouri $1,450 -$184 -11.3%
Montana $1,756 $122 7.5%
Nebraska $1,286 -$348 -21.3%
Nevada $1,958 $324 19.8%
New Hampshire $1,176 -$458 -28.0%
New Jersey $1,826 $192 11.8%
New Mexico $1,446 -$188 -11.5%
New York $1,718 $84 5.1%
North Carolina $940 -$694 -42.5%
North Dakota $1,338 -$296 -18.1%
Ohio $1,128 -$506 -31.0%
Oklahoma $1,676 $42 2.6%
Oregon $1,494 -$140 -8.6%
Pennsylvania $1,558 -$76 -4.7%
Rhode Island $2,180 $546 33.4%
South Carolina $1,480 -$154 -9.4%
South Dakota $1,376 -$258 -15.8%
Tennessee $1,430 -$204 -12.5%
Texas $1,966 $332 20.3%
Utah $1,208 -$426 -26.1%
Vermont $1,118 -$516 -31.6%
Virginia $978 -$656 -40.1%
Washington $1,260 -$374 -22.9%
West Virginia $1,496 -$138 -8.4%
Wisconsin $1,130 -$504 -30.8%
Wyoming $1,456 -$178 -10.9%

View Chart as Image

Dodge Charger insurance rates by U.S. city

Choosing high deductibles can save as much as $610 each year, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $468 more per year. View Rates by Deductible or Liability Limit

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 $1,592 $133
Dodge Charger $1,592 $133
Dodge Charger 3.5 AWD $1,634 $136
Dodge Charger AWD $1,634 $136
Dodge Charger Rallye $1,634 $136
Dodge Charger SXT $1,634 $136
Dodge Charger SXT AWD $1,634 $136
Dodge Charger R/T $1,674 $140
Dodge Charger Rallye AWD $1,674 $140
Dodge Charger R/T AWD $1,716 $143
Dodge Charger SRT-8 $1,756 $146

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 $344 $596 $498 $1,638
2022 Dodge Charger $332 $582 $520 $1,634
2021 Dodge Charger $320 $558 $536 $1,614
2020 Dodge Charger $304 $538 $554 $1,596
2019 Dodge Charger $292 $500 $564 $1,556
2018 Dodge Charger $280 $470 $570 $1,520
2017 Dodge Charger $268 $422 $574 $1,464
2016 Dodge Charger $250 $388 $574 $1,412
2015 Dodge Charger $242 $364 $580 $1,386
2014 Dodge Charger $236 $340 $592 $1,368
2013 Dodge Charger $218 $316 $592 $1,326
2012 Dodge Charger $212 $286 $596 $1,294
2011 Dodge Charger $198 $262 $592 $1,252
2010 Dodge Charger $186 $238 $592 $1,216
2009 Dodge Charger $180 $214 $586 $1,180
2008 Dodge Charger $178 $208 $574 $1,160
2007 Dodge Charger $176 $198 $564 $1,138
2006 Dodge Charger $160 $190 $558 $1,108

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 Find the Cheapest Dodge Charger Insurance

Finding better rates on Dodge Charger insurance takes having a decent driving record, having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Shop around once a year by quoting rates from direct carriers, and also from several local insurance agents.

The following items are a recap of the data that was raised in the charts and tables above.

  • Drivers can save up to $190 per year just by quoting online in advance
  • Drivers who may need additional liability coverage will pay about $570 each year to raise limits from 30/60 bodily injury limits to the 250/500 level
  • 16 to 18-year-old drivers pay higher prices, as much as $514 per month if full coverage is included
  • High-risk drivers that have major violations or accidents pay on average $1,890 more every year than a driver with a clean driving record

Rates by Driver Age

Dodge Charger Insurance Rates by Driver Age
Driver Age Premium
16 $6,168
20 $3,764
30 $1,696
40 $1,634
50 $1,492
60 $1,462

Full coverage, $500 deductibles

Rates by Deductible

Dodge Charger Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,036
$250 $1,852
$500 $1,634
$1,000 $1,426

Full coverage, driver age 40

Rates by Liability Limit

Dodge Charger Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,634
50/100 $1,860
100/300 $1,990
250/500 $2,328
100 CSL $1,912
300 CSL $2,198
500 CSL $2,406

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Charger Insurance Rates for High Risk Drivers
Age Premium
16 $8,784
20 $5,988
30 $3,598
40 $3,528
50 $3,368
60 $3,334

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 $226

Potential Rate Discounts

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

Discount Savings
Multi-policy $86
Multi-vehicle $86
Homeowner $25
5-yr Accident Free $117
5-yr Claim Free $105
Paid in Full/EFT $72
Advance Quote $79
Online Quote $115
Total Discounts $685
Rate after discounts $949

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

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