Dodge Charger Insurance Rates

Average insurance rates for a Dodge Charger are $1,614 a year including full coverage. Comprehensive costs around $320, collision costs $558, and liability insurance is $536. A liability-only policy costs around $606 a year, with high-risk insurance costing around $3,488. Teens receive the highest rates at $6,134 a year or more.

Average premium for full coverage: $1,614

Rate estimates for individual coverage type:

Estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and for different Charger trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how your location can change auto insurance rates.

These examples highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code, rather than relying on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $940
• Raising to $1,000 deductibles will save about $200 every year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,614
• Selecting more expensive low deductibles bumps up the cost to $2,000
• Higher-risk drivers with serious driving violations could pay at least $3,488 or more
• The cost that insures a teen driver with full coverage can be $6,134

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Insurance rates for a Dodge Charger can also vary considerably based on the model year and trim level, your driving record and age, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are likely paying at least $1,900 to $2,600 extra per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 42% to 132% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,500 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay as much as $6,100 a year. View Rates by Age

Where you live also has a big influence on Dodge Charger insurance rates. A middle-age driver might find rates as low as $1,240 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,300 on average in Michigan, New York, and Louisiana.

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Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $590 each year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $483 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out your exact price is to compare rates from as many companies as possible. Every auto insurance company calculates rates differently, so the rates can be significantly different.

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

Saving money on Dodge Charger insurance consists of being a low-risk driver, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Compare rates every other policy renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The items below are a review of the ideas that were illustrated above.

• Teen drivers pay higher rates, as much as $511 per month if full coverage is included
• High-risk drivers who have several accidents or serious violations may have to pay on average $1,870 more every year to insure their Charger
• Increasing deductibles can save approximately $575 each year
• You may be able to save up to $190 per year simply by shopping early and online