Dodge Charger Insurance Rates

The average insurance prices for a Dodge Charger are $1,614 every 12 months for full coverage insurance. Comprehensive costs approximately $320 a year, collision costs $558, and liability coverage costs around $536. Buying just liability costs as low as $606 a year, with insurance for high-risk drivers costing around $3,488. Teens cost the most to insure at $6,134 a year or more.

Average premium for full coverage: $1,614

Policy rates by type of insurance:

Includes $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and Charger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on auto insurance prices.

The examples above illustrate why it is important to compare prices using their specific location and their own driving history, rather than using averaged prices.

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

Rate Comparisons

The chart below illustrates estimated Dodge Charger insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $940
• Using higher $1,000 deductibles will save $1,414 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,614
• Selecting low $100 deductibles for physical damage coverage increases the price to $2,000
• Higher-risk drivers with serious driving violations could pay around $3,488 or more
• Policy cost to insure a teenage driver can cost $6,134 or more

View Chart as Image

Insurance rates for a Dodge Charger also range considerably based on liability limits and deductibles, your risk profile, and the model of your Charger.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $590 a year, while buying higher liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $483 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay in the ballpark of $6,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,900 to $2,600 extra every year, depending on your age. A high-risk auto insurance policy can be around 42% to 132% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Dodge Charger insurance rates. A driver around age 40 might see rates as low as $1,050 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,180 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes and see how they stack up. Each insurance company calculates rates differently, so the rates 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 Shop for the Cheapest Dodge Charger Insurance

Finding cheaper rates on auto insurance requires being a good driver, having good credit, being claim-free, and maximizing policy discounts. Take the time to compare rates every year by requesting rates from direct insurance companies, and also from local insurance agencies.

The following list is a recap of the coverage data covered in the above illustrations.

• It is possible to save around $190 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $575 each year
• Drivers age 16 to 20 are expensive to insure, possibly costing $511 each month if they have full coverage
• Drivers that have major violations or accidents may have to pay on average $1,870 more per year than a safer driver