Dodge Charger Insurance Rates

Estimated insurance rates for a Dodge Charger are $1,614 a year for full coverage. Comprehensive costs an estimated $320, collision costs $558, and liability costs $536. A policy with only liability insurance costs as little as $606 a year, with a high-risk policy costing around $3,488. Teens pay the most at $6,134 a year or more.

Average premium for full coverage: $1,614

Premium estimates broken down by type of coverage:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for different Charger trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on insurance rates. More rural locations are statistically proven to have lower incidents of accident claims than cities with more traffic congestion.

The price range example below illustrates how location impacts insurance prices.

These rate differences show why anyone shopping for car insurance should compare rates for a targeted area, instead of making a decision based on 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 other coverage scenarios.

• The cheapest rate after discounts is $940
• Drivers who choose higher $1,000 deductibles will pay approximately $200 a year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,614
• Selecting more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $2,000
• Drivers with serious driving violations could pay up to $3,488 or more
• An auto insurance policy that insures a 16-year-old driver with full coverage can cost as much as $6,134 a year

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Car insurance prices for a Dodge Charger also have a wide range based on the model year and trim level, how you drive, and liability limits and deductibles.

If you have a few violations or you caused an accident, you could be paying $1,900 to $2,600 extra annually, depending on your age. High-risk driver insurance can cost from 42% to 132% more than the average policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,500 per year on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged at least $6,100 a year. View Rates by Age

Where you choose to live makes a big difference in Dodge Charger insurance prices. A 40-year-old driver could pay as low as $1,070 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,300 on average in New York, Louisiana, and Michigan.

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Choosing higher comprehensive and collision insurance deductibles could save up to $590 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $483 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know which insurance company is cheapest is to compare prices from multiple companies. Every company calculates prices differently, so rate quotes will be substantially different.

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 Best Dodge Charger Insurance

Finding better rates on insurance for a Dodge Charger not only requires having a decent driving record, but also having a positive credit history, not filing small claims, and not having any coverage lapses. Compare rates at least every other year by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

The following items are a brief recap of the car insurance concepts touched on above.

• Drivers considered higher risk who tend to receive serious violations may pay on average $1,870 more annually than a driver with a clean driving record
• Drivers can save approximately $190 per year simply by shopping early and online
• Increasing policy deductibles can save approximately $575 each year
• Insureds who want additional liability coverage will pay approximately $590 each year to go from 30/60 bodily injury limits to the 250/500 level