Dodge Charger Insurance Rates

U.S. average insurance rates for a Dodge Charger are $1,634 a year for full coverage insurance. Comprehensive costs an estimated $332, collision costs $582, and liability costs around $520. A policy with just liability insurance costs as low as $592 a year, with coverage for high-risk drivers costing around $3,528. 16-year-old drivers pay the highest rates at $6,168 a year or more.

Average premium for full coverage: $1,634

Price estimates broken down by individual coverage:

These estimates include $500 deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all Charger models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on the price of insurance. More rural locations have a lower frequency of physical damage claims than congested cities.

The example below illustrates the difference location can make on insurance prices.

The ranges above illustrate why everyone should compare prices for a targeted area and risk profile, instead of making a decision based on rate averages.

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

Rate Comparisons

The chart below illustrates estimated Dodge Charger insurance rates for other coverage scenarios.

• The best full coverage rate is $949
• Using higher $1,000 deductibles will save approximately $208 each year
• The average rate for the average middle-age driver who has $500 deductibles is $1,634
• Buying pricier low deductibles for physical damage coverage will increase the cost to $2,036
• High-risk insureds with multiple tickets or accidents could pay up to $3,528 or more
• The price for full coverage for a 16-year-old driver for full coverage can cost as much as $6,168 or more

View Chart as Image

Insurance prices for a Dodge Charger are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.

A more mature driver with a clean driving record and high deductibles may pay as low as $1,500 a year for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay at least $6,100 a year. View Rates by Age

The state you live in has a huge impact on Dodge Charger insurance prices. A driver around age 40 might see prices as low as $1,070 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,200 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $610 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $468 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,900 to $2,700 extra each year, depending on your age. Dodge Charger insurance for high-risk drivers can be from 44% to 130% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the only way to figure out which car insurance is cheapest is to regularly compare prices from multiple companies. Each insurance company utilizes a different rate formula, so the prices may be quite different 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 Cheap Dodge Charger Insurance

Getting lower rates on insurance for a Dodge Charger requires not taking risks behind the wheel, maintaining good credit, not filing small claims, and taking advantage of discounts. Make time to compare rates every time your policy renews by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following is a brief summary of the information touched on in this article.

• It is possible to save approximately $190 per year simply by quoting online well ahead of the renewal date
• Teens are charged the highest prices, as much as $514 a month for full coverage
• Increasing physical damage deductibles can save around $600 each year
• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,890 more annually for Charger insurance
• Insureds who want higher liability limits will pay around $570 annually to increase from a low limit to 250/500 limits