Dodge Charger Insurance Rates

The average insurance prices for a Dodge Charger are $1,614 every 12 months with full coverage. Comprehensive insurance costs around $320, collision costs $558, and liability is $536. A liability-only policy costs around $606 a year, with high-risk insurance costing $3,488 or more. Teenage drivers cost the most to insure at $6,134 a year or more.

Average premium for full coverage: $1,614

Policy rates for type of insurance:

Price estimates include $500 physical damage deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for different Charger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population are shown to have more infrequent collision claims than densely populated cities.

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

The examples above demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, instead of making a decision based on average rates.

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

More Rate Information

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

• The best discount rate is $940
• Raising to $1,000 deductibles will save about $200 annually
• The average price for a good driver age 40 using $500 deductibles is $1,614
• Using more expensive low deductibles costs an extra $386 annually
• Drivers who are prone to accidents and violations could pay at least $3,488 or more
• Policy cost to insure a 16-year-old driver with full coverage can be $6,134

View Chart as Image

Car insurance rates for a Dodge Charger also range considerably based on liability limits and deductibles, your driving record, and the trim level and model year.

Using high physical damage deductibles can reduce rates by up to $590 annually, while increasing your policy's liability limits will increase rates. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $483 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as low as $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $6,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at least $1,900 to $2,600 extra every year, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 132% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Dodge Charger insurance prices. A middle-age driver might find rates as low as $1,160 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,180 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out your exact price is to compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, so rate quotes will be varied.

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 Shop for Cheaper Dodge Charger Insurance

Finding cheaper rates on insurance for a Dodge Charger consists of being a safe and courteous driver, maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Set aside time to shop around once a year by requesting quotes from direct companies, and also from several local insurance agents.

Below is a condensed summary of the data that was raised in the charts and tables above.

• You may be able to save up to $190 per year simply by shopping early and online
• Insureds who may need higher levels of liability will pay an extra $590 every year to raise from a 30/60 limit to a 250/500 level
• Teenage drivers are the costliest to insure, as much as $511 each month if the policy includes full coverage
• Drivers considered higher risk with multiple at-fault accidents pay on average $1,870 more every year for auto insurance