Dodge Charger Insurance Rates

Average auto insurance rates for a Dodge Charger are $1,614 annually for full coverage. Comprehensive costs on average $320 a year, collision costs $558, and liability insurance costs around $536. Liability-only coverage costs as low as $606 a year, with high-risk coverage costing around $3,488. Teenage drivers receive the highest rates at $6,134 a year or more.

Average premium for full coverage: $1,614

Rate estimates by individual coverage type:

Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and Charger trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on car insurance rates. Rural areas tend to have fewer accident claims than densely populated cities.

The diagram below illustrates how location impacts car insurance rates.

These examples show why it is important to compare prices based on a specific location and their own personal driving habits, rather than relying on average rates.

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

More Rate Information

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

• The best discount rate is $940
• Using higher $1,000 deductibles will save around $1,414 a year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,614
• Using low $100 deductibles for physical damage coverage will cost $2,000
• Drivers who are prone to accidents and violations could pay upwards of $3,488 or more
• The cost with full coverage for a teen driver may cost $6,134 or more

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Car insurance rates for a Dodge Charger can also vary considerably based on the trim level of your Charger, your driver profile, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles could pay as little as $1,500 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged upwards of $6,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,900 to $2,600 extra per year, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $590 each year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $483 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Dodge Charger insurance rates. A driver around age 40 might see rates as low as $1,070 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,300 on average in Michigan, Louisiana, and New York.

View Chart as Image

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Each insurance company uses a different method to calculate rates, so rate quotes can be significantly different between companies.

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 Buy the Right Dodge Charger Insurance

Saving money on Dodge Charger insurance requires avoiding accidents and claims, having a good credit score, eliminating unneeded coverage, and maximizing policy discounts. Spend time shopping around every other policy renewal by requesting rates from direct carriers like Progressive and GEICO, and also from local insurance agents.

The points below are a quick rundown of the ideas that were touched on above.

• Drivers under the age of 20 are expensive to insure, costing as high as $511 per month if comprehensive and collision insurance is included
• High-risk drivers with reckless driving or DUI convictions may be required to pay an average of $1,870 more each year to insure a Dodge Charger
• Increasing deductibles could save up to $575 each year
• Drivers can save as much as $190 per year simply by quoting early and online