Dodge Charger Insurance Rates

Estimated insurance rates for a Dodge Charger are $1,634 a year for full coverage. Comprehensive insurance costs on average $332 a year, collision costs $582, and liability coverage is estimated at $520. Liability-only insurance costs approximately $592 a year, with high-risk driver insurance costing $3,528 or more. Teens pay the most at $6,168 a year or more.

Average premium for full coverage: $1,634

Premium estimates by type of coverage:

Prices include $500 deductible amounts, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and Charger trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion.

The diagram below illustrates how where you live affects car insurance rates.

These rate differences show why it is important to get quotes based on a specific location and risk profile, rather than using averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $949
• Choosing higher $1,000 deductibles can save around $1,426 a year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,634
• Selecting low $100 deductibles for comp and collision coverage will cost an extra $402 each year
• Drivers with serious driving violations could pay upwards of $3,528 or more
• An auto insurance policy for full coverage for a teenage driver may cost $6,168 each year

View Chart as Image

Insurance prices for a Dodge Charger also have a wide range based on your driving characteristics, the trim level of your Charger, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles may only pay around $1,500 annually on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay upwards of $6,100 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Dodge Charger insurance rates. A good driver about age 40 could pay as low as $1,080 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,330 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $610 a year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $468 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,900 to $2,700 additional annually, depending on your age. A high-risk auto insurance policy ranges around 44% to 130% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the only way to know exactly what you will pay is to get quotes and see how they stack up. Each auto insurer calculates prices differently, and prices will be substantially 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 the Right Dodge Charger Insurance

Finding better rates on auto insurance takes having a good driving record, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Take the time to comparison shop every couple of years by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.

The next list is a quick rundown of the material that was touched on in the above illustrations.

• Consumers who require increased levels of liability coverage will pay approximately $570 each year to raise limits from 30/60 bodily injury limits to 250/500 limits
• Drivers age 20 and younger pay higher prices, as much as $514 per month including comprehensive and collision insurance
• Drivers with reckless driving or DUI convictions will pay on average $1,890 more each year to buy Dodge Charger insurance
• Increasing policy deductibles can save around $600 each year