Dodge Charger Insurance Rates

Estimated insurance prices for a Dodge Charger are $1,614 every 12 months with full coverage. Comprehensive insurance costs an estimated $320 each year, collision costs $558, and liability coverage costs $536. Liability-only coverage costs as little as $606 a year, with high-risk coverage costing $3,488 or more. Teen drivers 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:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and Charger models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than larger metro areas.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

These rate differences demonstrate why all drivers should compare rates for a targeted area and their own driving history, rather than using price averages.

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

Rates by State, City, and Model

The chart below details estimated Dodge Charger insurance rates for other coverage scenarios.

• The lowest rate with discounts is $940
• Drivers who choose higher $1,000 deductibles will pay approximately $200 annually
• The average price for a 40-year-old good driver who has $500 deductibles is $1,614
• Choosing low deductibles for comprehensive and collision insurance costs an extra $386 each year
• High-risk insureds with multiple violations and an at-fault accident could pay up to $3,488 or more
• An auto insurance policy to insure a teenage driver can cost as much as $6,134 a year

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Insurance prices for a Dodge Charger also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.

Choosing high deductibles could save up to $590 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $483 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may only pay around $1,500 per year on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay at least $6,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,900 to $2,600 extra annually, depending on your age. Insurance for high-risk drivers can cost around 42% to 132% more than average. View High Risk Driver Rates

Where you choose to live 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 as much as $2,180 on average in New York, Michigan, and Florida.

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With such a large range in prices, the best way to find out which insurance company is cheapest is to do a rate comparison and see how they stack up. Every company uses a different rate calculation, so the prices 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 Shop for More Affordable Dodge Charger Insurance

Finding better rates on auto insurance not only requires avoiding accidents and violations, but also having good credit, being claim-free, and taking advantage of discounts. Set aside time to compare rates at least every other year by requesting rates from direct companies, and also from your local independent and exclusive agents.

The list below is a summary of the car insurance concepts covered above.

• Drivers who have multiple accidents or major violations may pay on average $1,870 more annually for car insurance
• You may be able to save approximately $190 per year simply by quoting online in advance
• Increasing policy deductibles could save as much as $575 each year
• Consumers who want higher liability limits will pay about $590 every year to go from 30/60 bodily injury limits to a 250/500 level