Dodge Charger Insurance Rates

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

Average premium for full coverage: $1,614

Price estimates for individual coverage:

Prices are based on $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for all Charger models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population have a lower frequency of physical damage claims than cities with more traffic congestion.

The example below illustrates how rural and urban location affects auto insurance rates.

The ranges above illustrate why everyone should compare rates quotes for a specific zip code and risk profile, rather than using averaged prices.

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

Detailed Rate Analysis

The chart below illustrates 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 each year
• The average rate for the average middle-age driver using $500 deductibles is $1,614
• Selecting pricier low deductibles will increase the cost to $2,000
• Unlucky drivers with serious driving violations could pay at least $3,488 or more
• The price for full coverage for a teenage driver for full coverage can be $6,134

View Chart as Image

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

A more mature driver with a good driving record and high deductibles may only pay around $1,500 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay as much as $6,100 a year. View Rates by Age

The state you live in also has a big influence on Dodge Charger insurance rates. A middle-age driver might find prices as low as $1,050 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,180 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $590 a year, whereas buying more liability protection will increase prices. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $483 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at least $1,900 to $2,600 in extra premium each year, depending on your age. Dodge Charger insurance for high-risk drivers is expensive and can cost around 42% to 132% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out your exact price is to regularly compare prices and see how they stack up. Every auto insurance company calculates prices differently, and quoted 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 Affordable Dodge Charger Insurance

Getting lower rates on auto insurance consists of avoiding accidents and claims, having good credit, not filing small claims, and maximizing policy discounts. Set aside time to shop around at every policy renewal by requesting quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The points below are a brief review of the data raised in the charts and tables above.

• Consumers who may need increased liability limits will pay approximately $590 annually to raise from a low limit to 250/500 limits
• It is possible to save up to $190 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $575 each year
• Drivers under the age of 20 are expensive to insure, as much as $511 a month if they have full coverage