Dodge Charger Insurance Rates

The average insurance rates for a Dodge Charger are $1,614 a year for full coverage insurance. Comprehensive insurance costs on average $320, collision insurance costs $558, and liability coverage costs around $536. Liability-only coverage costs as low as $606 a year, and high-risk coverage costs $3,488 or more. 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:

Estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and for different Charger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than densely populated cities. The price range example below illustrates how location helps determine car insurance rates.

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

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

Rates by State, City, and Model

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

• The best discount rate is $940
• Using higher $1,000 deductibles will save around $200 each year
• The average rate for a good driver age 40 with $500 deductibles is $1,614
• Using more expensive low deductibles for physical damage coverage will cost an extra $386 each year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,488
• Policy cost for full coverage for a teenage driver with full coverage may cost $6,134 or more

View Chart as Image

Insurance rates for a Dodge Charger also range considerably based on your risk 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 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $6,100 a year. View Rates by Age

Your home state has a huge impact on Dodge Charger insurance rates. A driver around age 40 might see rates as low as $1,050 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,180 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $590 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 raise rates by up to $483 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $1,900 to $2,600 additional every year, depending on your age. High-risk driver insurance can be 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 Low Cost Dodge Charger Insurance

Finding cheaper rates on auto insurance requires being a low-risk driver, having a good credit history, being claim-free, and dropping full coverage on older vehicles. Invest time comparing rates every time your policy renews by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The items below are a review of the information covered in the charts and tables above.

• It is possible to save as much as $190 per year just by shopping early and online
• Teen drivers pay higher rates, possibly costing $511 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles can save around $575 each year
• Drivers who have several accidents or serious violations pay an average of $1,870 more each year to insure their Charger
• Consumers who require more liability coverage will pay an extra $590 annually to increase from a 30/60 limit to 250/500 limits