Dodge Charger Insurance Rates

Average insurance rates for a Dodge Charger are $1,614 a year for full coverage. Comprehensive insurance costs around $320 a year, collision costs $558, and liability costs around $536. A liability-only policy costs as low as $606 a year, with high-risk insurance 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 for individual coverage type:

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and Charger trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than cities with more traffic congestion.

The diagram below illustrates how location impacts auto insurance rates.

These examples show why it is important to compare prices for a specific zip code and risk profile, instead of using averaged prices.

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

Rate Comparisons

The chart below shows estimated Dodge Charger insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $940
• Using higher $1,000 deductibles will save about $1,414 a year
• The average rate for a 40-year-old driver using $500 deductibles is $1,614
• Selecting low $100 deductibles for physical damage coverage will cost an extra $386 every year
• Drivers with serious driving violations could pay at least $3,488 or more
• The cost for full coverage for a teen driver can be $6,134 or more

View Chart as Image

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

Older drivers with a clean driving record and high deductibles may pay as little as $1,500 a year for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay as much as $6,100 a year. View Rates by Age

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

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $590 every year, while buying higher liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $483 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at least $1,900 to $2,600 extra per year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 132% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the only way to know your exact price is to get quotes and see which company has the best rate. Each insurance company calculates rates differently, so the rates can be significantly 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

Saving money on car insurance requires being safe and accident-free, maintaining good credit, eliminating unneeded coverage, and insuring your home and auto with the same company. Spend time shopping around at least every other year by getting rate quotes from direct carriers like GEICO and Progressive, and also from local insurance agents.

Below you'll find a brief review of the car insurance concepts touched on above.

• Higher risk drivers with DUI or reckless driving convictions may be required to pay an average of $1,870 more every year than a low-risk driver
• Drivers can save up to $190 per year simply by quoting early and online
• Increasing deductibles can save around $575 each year
• Policyholders who may need more liability protection will pay approximately $590 each year to increase from a minimum limit to 250/500 limits