Dodge Charger Insurance Rates

The average insurance rates for a Dodge Charger are $1,614 a year with full coverage. Comprehensive costs approximately $320 a year, collision insurance costs $558, and liability coverage costs $536. Buying just liability costs as little as $606 a year, and insurance for high-risk drivers costs around $3,488. Teenage drivers cost the most to insure at up to $6,134 a year.

Average premium for full coverage: $1,614

Policy rates by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and Charger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than densely populated cities. The diagram below illustrates how where you live affects auto insurance prices.

The examples above demonstrate why it is important to compare rates using their specific location and risk profile, rather than using average rates.

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

Additional Charts and Tables

The chart below details average Dodge Charger insurance rates for additional coverage and risk scenarios.

• The best discount rate is $940
• Drivers who choose higher $1,000 deductibles will pay $1,414 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,614
• Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $2,000
• High-risk insureds who are prone to accidents and violations could pay around $3,488
• Policy cost for full coverage for a teenage driver can cost $6,134 a year

View Chart as Image

Insurance rates for a Dodge Charger also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high deductibles may only pay around $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay in the ballpark of $6,100 a year. View Rates by Age

Your home state 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 Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,180 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $590 a year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $483 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,900 to $2,600 extra every year, depending on your age. A high-risk auto insurance policy can cost around 42% to 132% more than a normal policy. View High Risk Driver Rates

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 More Affordable Dodge Charger Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also maintaining good credit, not filing small claims, and possibly raising deductibles. Take the time to comparison shop once a year by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a summary of the data that was touched on in the above illustrations.

• You may be able to save around $190 per year just by quoting early and online
• Consumers who purchase higher liability limits will pay an extra $590 every year to go from a 30/60 limit to 250/500 limits
• Teenagers are expensive to insure, as much as $511 each month for full coverage
• Drivers who have multiple accidents or major violations pay on average $1,870 more per year for car insurance