Dodge Charger Insurance Rates

Average auto insurance rates for a Dodge Charger are $1,614 annually including full coverage. Comprehensive insurance costs approximately $320, collision costs $558, and liability coverage costs around $536. Buying just liability costs as low as $606 a year, with insurance for high-risk drivers costing $3,488 or more. Teens 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 are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and for all Charger models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates the effect of geographic area on auto insurance prices.

These examples highlight why everyone should compare prices using their specific location and their own personal driving habits, rather than using averaged prices.

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

More Rate Information

The chart below breaks down estimated Dodge Charger insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $940
• Using higher $1,000 deductibles will save $200 every year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,614
• Selecting pricier low deductibles for physical damage coverage costs an additional $386 each year
• Higher-risk drivers with serious driving violations could pay around $3,488 or more
• The cost with full coverage for a teenage driver for full coverage can cost $6,134 or more

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Auto insurance rates for a Dodge Charger can also vary considerably based on the trim level of your Charger, your driving characteristics, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high physical damage deductibles may only pay around $1,500 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay in the ballpark of $6,100 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,900 to $2,600 in extra premium per year, depending on your age. Dodge Charger insurance for high-risk drivers can be around 42% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $590 a year, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $483 extra every year. 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 $1,240 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,300 on average in Louisiana, New York, and Michigan.

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With so much variability in rates, the best way to figure out who has the best auto insurance rates is to regularly compare rates and see how they stack up. Each insurance company calculates rates differently, and quoted rates 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 Affordable Dodge Charger Insurance

Saving money on auto insurance requires having a decent driving record, having above-average credit, not filing small claims, and not having any coverage lapses. Take the time to compare rates every time your policy renews by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.

The following items are a brief review of the information covered in the above illustrations.

• You may be able to save around $190 per year simply by quoting online well ahead of the renewal date
• 16 to 18-year-old drivers have the highest car insurance rates, as much as $511 per month if full coverage is included
• Increasing deductibles could save up to $575 each year
• Drivers with DUI or reckless driving convictions may have to pay on average $1,870 more per year than a driver with a clean driving record
• Consumers who purchase additional liability coverage will pay approximately $590 per year to increase from a minimum limit to higher 250/500 limits