Dodge Charger Insurance Rates

Average insurance rates for a Dodge Charger are $1,614 a year including full coverage. Comprehensive insurance costs approximately $320 each year, collision insurance costs $558, and liability is estimated at $536. A liability-only policy costs approximately $606 a year, and high-risk insurance costs $3,488 or more. Teens receive the highest rates at up to $6,134 a year.

Average premium for full coverage: $1,614

Rate estimates by individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how geographic area affects auto insurance prices.

These examples highlight why all drivers should get quotes using their specific location, instead of using averaged prices.

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

Additional Rate Analysis

The chart below breaks down average Dodge Charger insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $940
• Choosing higher $1,000 deductibles can save $200 every year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,614
• Selecting low deductibles for comp and collision coverage will cost an additional $386 every year
• Unlucky drivers with serious driving violations could pay around $3,488
• The cost that insures a teen driver can cost $6,134 each year

View Chart as Image

Insurance rates for a Dodge Charger can also vary considerably based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,900 to $2,600 extra per year, depending on your age. Insurance for high-risk drivers ranges as much as 42% to 132% more than the average policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,500 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $6,100 a year. View Rates by Age

Where you live plays a big part in determining prices for Dodge Charger insurance prices. A good driver about age 40 could pay as low as $1,240 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,300 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $590 every year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $483 more per year. View Rates by Deductible or Liability Limit

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 Right Dodge Charger Insurance

Saving money on car insurance takes having a decent driving record, having above-average credit, not filing small claims, and possibly raising deductibles. Compare rates every year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

The following items are a quick rundown of the coverage data presented in the illustrations above.

• You may be able to save around $190 per year just by quoting online in advance
• Increasing deductibles can save approximately $575 each year
• 16 to 18-year-old drivers are expensive to insure, as much as $511 per month if full coverage is included
• Higher risk drivers with reckless driving or DUI convictions will likely pay on average $1,870 more per year than a driver with a clean driving record