Dodge Charger Insurance Rates

Estimated insurance rates for a Dodge Charger are $1,614 a year for full coverage insurance. Comprehensive costs approximately $320 a year, collision insurance costs $558, and liability coverage costs around $536. Liability-only insurance costs as low as $606 a year, and high-risk driver insurance costs around $3,488. Teens pay the most at up to $6,134 a year.

Average premium for full coverage: $1,614

Premium estimates by type of coverage:

Rates are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and Charger trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on auto insurance prices.

These rate differences illustrate why it is important to compare prices using their specific location, rather than using averaged prices.

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

More Rate Information

The chart below illustrates average Dodge Charger insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $940
• Using higher $1,000 deductibles will save $1,414 each year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,614
• Selecting low $100 deductibles for physical damage coverage bumps up the cost to $2,000
• Higher-risk drivers with serious driving violations could pay around $3,488
• An auto insurance policy that insures a teenage driver can cost $6,134 or more

View Chart as Image

Insurance prices for a Dodge Charger also have a wide range based on the trim level of your Charger, your age and driving record, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are probably paying anywhere from $1,900 to $2,600 additional annually, depending on your age. A high-risk auto insurance policy can be around 42% to 132% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $6,100 a year. View Rates by Age

Where you choose to live has a huge impact on Dodge Charger insurance rates. A driver around age 40 might see prices as low as $1,050 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,180 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $590 a year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $483 more each year. View Rates by Deductible or Liability Limit

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 the Best Cheap Dodge Charger Insurance

Finding better rates on auto insurance requires having a decent driving record, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Compare rates every other policy renewal by getting quotes from direct insurance companies, and also from your local car insurance providers.

The following items are a quick review of the ideas that were touched on in this article.

• 16 to 18-year-old drivers are the costliest to insure, with premiums being up to $511 per month if comprehensive and collision insurance is included
• Drivers with a DUI or reckless driving violation could be charged and average of $1,870 more per year than a driver with a clean driving record
• Increasing policy deductibles can save approximately $575 each year
• It is possible to save around $190 per year just by quoting early and online