Dodge Charger Insurance Rates

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

Average premium for full coverage: $1,614

Policy rates by type of insurance:

Estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and Charger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how rural and urban location affects car insurance rates.

The examples above highlight why it is important to compare prices based on a specific location and risk profile, rather than relying on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $940
• Using higher $1,000 deductibles will save around $1,414 every year
• The average rate for a good driver age 40 with $500 deductibles is $1,614
• Choosing low $100 deductibles for physical damage coverage will cost an extra $386 a year
• Drivers with multiple violations and an at-fault accident could pay upwards of $3,488 or more
• Policy cost for full coverage for a teen driver 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 of your Charger, and policy deductibles and limits.

Older drivers with a clean driving record and high deductibles could pay as little as $1,500 a year, or $125 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect 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 $1,240 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,300 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could cut rates by as much as $590 each year, while buying higher liability limits will cost you more. Changing 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 are likely paying at a minimum $1,900 to $2,600 extra every year, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 132% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, so the rates will be varied 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

Finding cheaper rates on Dodge Charger insurance requires being a safe and courteous driver, maintaining good credit, paying for small claims out-of-pocket, and bundling your home and auto policies. Set aside time to shop around every time your policy renews by getting price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below is a review of the information raised in the charts and tables above.

• You may be able to save as much as $190 per year simply by quoting early and online
• Teenage drivers pay the highest rates, with premiums being up to $511 each month for full coverage
• Increasing comprehensive and collision deductibles can save around $575 each year
• High-risk drivers who have several accidents or serious violations may pay on average $1,870 more each year for auto insurance
• Drivers who require higher levels of liability will pay about $590 per year to increase from a 30/60 limit to 250/500 limits