Dodge Charger Insurance Rates

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

Average premium for full coverage: $1,614

Policy rates for type of insurance:

Rate estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for different Charger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than densely populated cities.

The price range example below illustrates how geographic area affects auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare prices for a specific zip code, rather than using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $940
• Using higher $1,000 deductibles will save about $200 annually
• The estimated price for a good driver age 40 using $500 deductibles is $1,614
• Using more expensive low deductibles for physical damage coverage will cost an additional $386 each year
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,488 or more
• Policy cost that insures a teenage driver with full coverage can be $6,134 or more

View Chart as Image

Car insurance rates for a Dodge Charger also range considerably based on the model year and trim level, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,900 to $2,600 extra every year, depending on your age. High-risk driver insurance can be around 42% to 132% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged as much as $6,100 a year. View Rates by Age

Your home state has a huge impact on Dodge Charger insurance rates. A driver around age 40 might see rates as low as $1,160 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,180 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $590 a year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $483 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out your exact price is to compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, so rate quotes will be varied.

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 cheaper rates on auto insurance requires being a low-risk driver, having a positive credit history, not filing small claims, and qualifying for all possible discounts. Compare prices every couple of years by requesting quotes from direct companies, and also from your local independent and exclusive agents.

The items below are a brief recap of the material that was presented in the illustrations above.

• Consumers who may need more liability coverage will pay an extra $590 every year to increase from a 30/60 limit to the 250/500 level
• Teen drivers are the costliest to insure, as much as $511 each month if full coverage is purchased
• Drivers who tend to receive serious violations may pay on average $1,870 more every year to insure their Charger
• Increasing comprehensive and collision deductibles can save approximately $575 each year