Dodge Charger Insurance Rates

U.S. average insurance rates for a Dodge Charger are $1,614 a year with full coverage. Comprehensive costs an estimated $320 a year, collision insurance costs $558, and liability coverage costs $536. Buying just liability costs as little as $606 a year, and insurance for high-risk drivers costs around $3,488. Teens pay the highest rates at up to $6,134 a year.

Average premium for full coverage: $1,614

Price estimates broken down by individual coverage:

Rate estimates include $500 deductible amounts, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and Charger trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on car insurance rates. More rural locations have a lower frequency of collision claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on insurance prices.

The ranges above demonstrate why it is important to compare rates for a targeted area and risk profile, rather than using averaged prices.

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

Additional Rate Details

The chart below details average 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 $1,414 annually
• The average rate for the average middle-age driver who has $500 deductibles is $1,614
• Selecting low $100 deductibles for comprehensive and collision insurance will increase the cost to $2,000
• High-risk insureds with serious driving violations could pay up to $3,488
• The price for full coverage for a teenage driver can cost as much as $6,134 a year

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Insurance prices for a Dodge Charger are also quite variable based on your driving record, the trim level and model year, and liability limits and deductibles.

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

The state you live in makes a big difference in Dodge Charger insurance rates. A 40-year-old driver could pay as low as $1,160 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,180 on average in New York, Michigan, and Florida.

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Choosing higher comprehensive and collision insurance deductibles could save up to $590 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $483 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out $1,900 to $2,600 additional each year, depending on your age. A high-risk auto insurance policy can cost around 42% to 132% more than the average policy. View High Risk Driver Rates

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

Getting lower rates on auto insurance not only requires having a good driving record, but also having a good credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to compare rates every time your policy renews by requesting rates from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

The next list is a brief recap of the information covered above.

• You may be able to save approximately $190 per year just by quoting early and online
• Drivers age 20 and younger are expensive to insure, costing up to $511 a month including comprehensive and collision insurance
• Increasing physical damage deductibles can save around $575 each year
• Drivers who tend to receive serious violations may pay on average $1,870 more annually to buy Dodge Charger insurance
• Consumers who want increased levels of liability coverage will pay approximately $590 every year to go from a low limit to 250/500 limits