Dodge Charger Insurance Rates

The average insurance rates for a Dodge Charger are $1,614 a year with full coverage. Comprehensive costs around $320, collision costs $558, and liability costs around $536. Buying just liability costs as low as $606 a year, with insurance for high-risk drivers costing around $3,488. 16-year-old drivers cost the most to insure at $6,134 a year or more.

Average premium for full coverage: $1,614

Policy rates for type of insurance:

Price estimates include $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for different Charger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than congested cities.

The price range example below illustrates the effect of geographic area on auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of making a decision based on rate averages.

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

Additional Rate Details

The chart below details estimated Dodge Charger insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $940
• Using higher $1,000 deductibles will save about $200 annually
• The average rate for a good driver age 40 using $500 deductibles is $1,614
• Buying more expensive low deductibles for physical damage coverage will increase the cost to $2,000
• High-risk insureds with multiple tickets or accidents could pay at least $3,488 or more
• Policy cost for full coverage for a 16-year-old driver with full coverage can be $6,134 or more

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 deductibles and policy limits.

An older driver with a clean driving record and high deductibles may pay as low 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 as much as $6,100 a year. View Rates by Age

Your home state has a huge impact on Dodge Charger insurance prices. A driver around age 40 might see rates as low as $1,160 a year in states like New Hampshire, Ohio, and Utah, or at least $2,180 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $590 annually, while increasing your policy's liability limits will increase rates. 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 at least $1,900 to $2,600 extra every year, depending on your age. High-risk driver insurance can be from 42% to 132% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to find out your exact price is to compare rates from multiple companies. Each insurance company utilizes a different rate formula, 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 Cheaper Dodge Charger Insurance

Finding cheaper rates on insurance for a Dodge Charger requires being safe and accident-free, maintaining good credit, not filing small claims, and insuring your home and auto with the same company. Take the time to compare rates every couple of years by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below you'll find a condensed summary of the material that was covered in the above illustrations.

• Insureds who may need more liability protection will pay around $590 every year to increase from a 30/60 limit to 250/500 limits
• Youthful drivers pay higher rates, as much as $511 each month for full coverage
• Drivers considered higher risk with multiple at-fault accidents pay an average of $1,870 more every year than a low-risk driver
• Increasing comprehensive and collision deductibles can save around $575 each year