Dodge Charger Insurance Rates

Average insurance rates for a Dodge Charger are $1,614 a year including full coverage. Comprehensive costs around $320, collision costs $558, and liability coverage costs $536. Liability-only coverage costs as little as $606 a year, with high-risk coverage 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:

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for all Charger models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than densely populated cities.

The example below illustrates the difference location can make on auto insurance rates.

These examples highlight why everyone should compare rates for a specific zip code and risk profile, rather than using average rates.

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

Additional Charts and Tables

The chart below breaks down 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 every year
• The average rate for a 40-year-old driver using $500 deductibles is $1,614
• Using pricier low deductibles for comprehensive and collision insurance will increase the cost to $2,000
• High-risk insureds who are prone to accidents and violations could pay at least $3,488 or more
• The cost for full coverage for a teenage driver for full coverage can be $6,134 a year

View Chart as Image

Car insurance rates for a Dodge Charger can also vary considerably based on your driver profile, the model of your Charger, and deductibles and policy limits.

A more mature driver with no driving violations and high deductibles may only pay around $1,500 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers will be charged as much as $6,100 a year. View Rates by Age

Where you live makes a big difference in Dodge Charger insurance rates. A 40-year-old driver could pay as low as $1,240 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,300 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could save up to $590 a year, whereas buying more liability protection will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $483 extra every 12 months. View Rates by Deductible or Liability Limit

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

With so much variability in rates, the best way to figure out your exact price is to regularly compare rates and see how they stack up. Every company uses a different method to calculate rates, so rate quotes 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 the Best Cheap Dodge Charger Insurance

Saving money on auto insurance not only requires having a decent driving record, but also having above-average credit, not filing small claims, and qualifying for all possible discounts. Make time to compare rates at every policy renewal by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.

The following items are a quick review of the data touched on in this article.

• Consumers who may need additional liability coverage will pay an extra $590 per year to go from a minimum limit to 250/500 limits
• You may be able to save up to $190 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles can save around $575 each year
• 16 to 18-year-old drivers are the costliest to insure, as much as $511 per month if full coverage is included