Dodge Charger Insurance Rates

Average insurance rates for a Dodge Charger are $1,614 a year for full coverage insurance. Comprehensive costs around $320, collision costs $558, and liability costs $536. A liability-only policy costs as little as $606 a year, with high-risk insurance costing around $3,488. Teenage drivers receive the highest rates at $6,134 a year or more.

Average premium for full coverage: $1,614

Rate estimates for individual coverage type:

Full coverage includes $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and for different Charger trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than densely populated cities.

The price range example below illustrates the effect of geographic area on auto insurance rates.

These examples illustrate why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below illustrates estimated Dodge Charger insurance rates for additional coverage choices and driver risks.

• The best discount rate is $940
• Drivers who choose higher $1,000 deductibles will pay about $200 each year
• The average rate for a 40-year-old driver using $500 deductibles is $1,614
• Using more expensive low deductibles for comprehensive and collision insurance will increase the cost to $2,000
• Drivers who are prone to accidents and violations could pay at least $3,488 or more
• The cost for full coverage for a 16-year-old driver with full coverage can be $6,134 a year

View Chart as Image

Insurance rates for a Dodge Charger can also vary considerably based on your driver profile, the model year and trim level, and deductibles and policy limits.

An older driver with a clean driving record and high deductibles may pay as low as $1,500 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay as much as $6,100 a year. View Rates by Age

Where you live makes a big difference in Dodge Charger insurance prices. A 40-year-old driver could pay as low as $1,050 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,180 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $590 annually, while increasing your policy's liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $483 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at least $1,900 to $2,600 extra per year, depending on your age. High-risk driver insurance can cost from 42% to 132% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out your exact price is to compare rates from multiple companies. Every company uses a different method to calculate rates, so the rates can be significantly 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 More Affordable Dodge Charger Insurance

Saving money on insurance for a Dodge Charger not only requires being a low-risk driver, but also maintaining good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Take the time to compare rates every other policy renewal by requesting rates from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

The items below are a summary of the ideas that were covered in the above illustrations.

• Teen drivers pay higher rates, costing up to $511 per month for full coverage
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,870 more every year to insure their Charger
• Increasing deductibles can save around $575 each year
• It is possible to save up to $190 per year simply by shopping early and online