Dodge Charger Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 8, 2024
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Average insurance prices for a Dodge Charger are $1,614 every 12 months for full coverage. Comprehensive insurance costs on average $320, collision costs $558, and liability insurance costs $536. Liability-only coverage costs as little as $606 a year, with high-risk coverage costing $3,488 or more. Teen drivers receive the highest rates at $6,134 a year or more.
Average premium for full coverage: $1,614
Rate estimates by individual coverage type:
Full coverage includes $500 deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for different Charger trim levels.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from the cheapest price of $606 for minimum levels of liability insurance to a much higher rate of $3,488 for a driver required to buy high-risk insurance.
Price Range by Location
Your location has a significant impact on car insurance rates. Rural areas tend to have more infrequent accident claims than larger metro areas.
The price range example below illustrates the difference location can make on car insurance rates.
These examples show why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, rather than relying on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below shows estimated Dodge Charger insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $940
- Drivers who choose higher $1,000 deductibles will pay around $200 a year
- The average price for a 40-year-old driver with $500 deductibles is $1,614
- Choosing more expensive low deductibles for comprehensive and collision insurance costs an extra $386 a year
- High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,488 or more
- The cost to insure a teen driver with full coverage may cost $6,134 a year
Car insurance rates for a Dodge Charger can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your Charger.
Choosing high deductibles could save up to $590 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $483 extra every 12 months. View Rates by Deductible or Liability Limit
An older driver with no driving violations and higher deductibles could pay as little as $1,500 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged upwards of $6,100 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,900 to $2,600 extra per year, depending on your age. High-risk driver insurance can cost anywhere from 42% to 132% more than average. View High Risk Driver Rates
Where you live makes a big difference in Dodge Charger insurance rates. A 40-year-old driver could pay as low as $1,070 a year in states like Idaho, Maine, and Iowa, or as much as $2,300 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,458 | -$156 | -9.7% |
| Alaska | $1,238 | -$376 | -23.3% |
| Arizona | $1,338 | -$276 | -17.1% |
| Arkansas | $1,614 | -$0 | 0.0% |
| California | $1,840 | $226 | 14.0% |
| Colorado | $1,540 | -$74 | -4.6% |
| Connecticut | $1,658 | $44 | 2.7% |
| Delaware | $1,828 | $214 | 13.3% |
| Florida | $2,016 | $402 | 24.9% |
| Georgia | $1,488 | -$126 | -7.8% |
| Hawaii | $1,158 | -$456 | -28.3% |
| Idaho | $1,096 | -$518 | -32.1% |
| Illinois | $1,204 | -$410 | -25.4% |
| Indiana | $1,216 | -$398 | -24.7% |
| Iowa | $1,090 | -$524 | -32.5% |
| Kansas | $1,532 | -$82 | -5.1% |
| Kentucky | $2,200 | $586 | 36.3% |
| Louisiana | $2,390 | $776 | 48.1% |
| Maine | $998 | -$616 | -38.2% |
| Maryland | $1,330 | -$284 | -17.6% |
| Massachusetts | $1,288 | -$326 | -20.2% |
| Michigan | $2,802 | $1,188 | 73.6% |
| Minnesota | $1,350 | -$264 | -16.4% |
| Mississippi | $1,932 | $318 | 19.7% |
| Missouri | $1,430 | -$184 | -11.4% |
| Montana | $1,732 | $118 | 7.3% |
| Nebraska | $1,270 | -$344 | -21.3% |
| Nevada | $1,934 | $320 | 19.8% |
| New Hampshire | $1,162 | -$452 | -28.0% |
| New Jersey | $1,802 | $188 | 11.6% |
| New Mexico | $1,430 | -$184 | -11.4% |
| New York | $1,696 | $82 | 5.1% |
| North Carolina | $926 | -$688 | -42.6% |
| North Dakota | $1,322 | -$292 | -18.1% |
| Ohio | $1,114 | -$500 | -31.0% |
| Oklahoma | $1,656 | $42 | 2.6% |
| Oregon | $1,478 | -$136 | -8.4% |
| Pennsylvania | $1,540 | -$74 | -4.6% |
| Rhode Island | $2,154 | $540 | 33.5% |
| South Carolina | $1,460 | -$154 | -9.5% |
| South Dakota | $1,360 | -$254 | -15.7% |
| Tennessee | $1,412 | -$202 | -12.5% |
| Texas | $1,944 | $330 | 20.4% |
| Utah | $1,196 | -$418 | -25.9% |
| Vermont | $1,102 | -$512 | -31.7% |
| Virginia | $966 | -$648 | -40.1% |
| Washington | $1,246 | -$368 | -22.8% |
| West Virginia | $1,480 | -$134 | -8.3% |
| Wisconsin | $1,118 | -$496 | -30.7% |
| Wyoming | $1,438 | -$176 | -10.9% |
With so much variability in rates, the only way to know exactly what you will pay is to compare rates from as many companies as possible. Every company uses a different rate calculation, so rate quotes can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Charger 3.5 | $1,576 | $131 |
| Dodge Charger | $1,576 | $131 |
| Dodge Charger 3.5 AWD | $1,614 | $135 |
| Dodge Charger AWD | $1,614 | $135 |
| Dodge Charger Rallye | $1,614 | $135 |
| Dodge Charger SXT | $1,614 | $135 |
| Dodge Charger SXT AWD | $1,614 | $135 |
| Dodge Charger R/T | $1,654 | $138 |
| Dodge Charger Rallye AWD | $1,654 | $138 |
| Dodge Charger R/T AWD | $1,692 | $141 |
| Dodge Charger SRT-8 | $1,732 | $144 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Dodge Charger | $332 | $582 | $520 | $1,634 |
| 2022 Dodge Charger | $320 | $558 | $536 | $1,614 |
| 2021 Dodge Charger | $304 | $538 | $554 | $1,596 |
| 2020 Dodge Charger | $292 | $500 | $564 | $1,556 |
| 2019 Dodge Charger | $280 | $470 | $570 | $1,520 |
| 2018 Dodge Charger | $268 | $422 | $574 | $1,464 |
| 2017 Dodge Charger | $250 | $388 | $574 | $1,412 |
| 2016 Dodge Charger | $242 | $364 | $580 | $1,386 |
| 2015 Dodge Charger | $236 | $340 | $592 | $1,368 |
| 2014 Dodge Charger | $218 | $316 | $592 | $1,326 |
| 2013 Dodge Charger | $212 | $286 | $596 | $1,294 |
| 2012 Dodge Charger | $198 | $262 | $592 | $1,252 |
| 2011 Dodge Charger | $186 | $238 | $592 | $1,216 |
| 2010 Dodge Charger | $180 | $214 | $586 | $1,180 |
| 2009 Dodge Charger | $178 | $208 | $574 | $1,160 |
| 2008 Dodge Charger | $176 | $198 | $564 | $1,138 |
| 2007 Dodge Charger | $160 | $190 | $558 | $1,108 |
| 2006 Dodge Charger | $154 | $180 | $554 | $1,088 |
Rates are averaged for all Dodge Charger models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for More Affordable Dodge Charger Insurance
Saving money on Dodge Charger insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, eliminating unneeded coverage, and maximizing policy discounts. Make time to compare rates at every policy renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The following is a summary of the data touched on in this article.
- Drivers who require higher liability limits will pay about $590 each year to go from a minimum limit to a 250/500 level
- Drivers can save as much as $190 per year simply by shopping early and online
- Increasing deductibles could save as much as $575 each year
- Teens are expensive to insure, costing as high as $511 per month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,134 |
| 20 | $3,718 |
| 30 | $1,670 |
| 40 | $1,614 |
| 50 | $1,474 |
| 60 | $1,444 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,000 |
| $250 | $1,822 |
| $500 | $1,614 |
| $1,000 | $1,414 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,614 |
| 50/100 | $1,839 |
| 100/300 | $1,973 |
| 250/500 | $2,322 |
| 100 CSL | $1,893 |
| 300 CSL | $2,188 |
| 500 CSL | $2,402 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,730 |
| 20 | $5,918 |
| 30 | $3,554 |
| 40 | $3,488 |
| 50 | $3,332 |
| 60 | $3,298 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $85 |
| Multi-vehicle | $85 |
| Homeowner | $25 |
| 5-yr Accident Free | $114 |
| 5-yr Claim Free | $104 |
| Paid in Full/EFT | $70 |
| Advance Quote | $78 |
| Online Quote | $113 |
| Total Discounts | $674 |
Discounts are estimated and may not be available from every company or in every state.
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