Dodge Charger Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average auto insurance rates for a Dodge Charger are $1,634 annually with full coverage. Comprehensive costs on average $332, collision costs $582, and liability insurance is $520. Liability-only insurance costs around $592 a year, with high-risk driver insurance costing around $3,528. 16-year-old drivers pay the highest rates at $6,168 a year or more.
Average premium for full coverage: $1,634
Price estimates by individual coverage:
Price estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for all Charger models.
Price Range from Low to High
For a 40-year-old driver, Dodge Charger insurance prices go from as cheap as $592 for just the minimum liability insurance to the much higher price of $3,528 for a policy for a high-risk driver.
Geographic Price Range
Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas have fewer collision claims than congested cities.
The example below illustrates how your location can change car insurance rates.
The ranges above demonstrate why everyone should compare rates quotes based on a specific location and their own personal driving habits, rather than relying on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below details estimated Dodge Charger insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $949
- Raising to $1,000 deductibles will save around $208 annually
- The estimated rate for the average middle-age driver with $500 deductibles is $1,634
- Buying pricier low deductibles will cost $2,036
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,528 or more
- The price with full coverage for a teen driver for full coverage may cost $6,168
Car insurance prices for a Dodge Charger are also quite variable based on the trim level and model year, your driving record, and policy deductibles and limits.
A more mature driver with no driving violations and high physical damage deductibles could pay as little as $1,500 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged upwards of $6,100 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you may be forking out at a minimum $1,900 to $2,700 extra each year, depending on your age. Dodge Charger insurance for high-risk drivers is expensive and can cost anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $610 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $468 extra every 12 months. View Rates by Deductible or Liability Limit
The state you live in also has a big influence on Dodge Charger insurance rates. A middle-age driver might find prices as low as $1,180 a year in states like New Hampshire, Ohio, and Utah, or at least $2,200 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,476 | -$158 | -9.7% |
| Alaska | $1,250 | -$384 | -23.5% |
| Arizona | $1,354 | -$280 | -17.1% |
| Arkansas | $1,634 | -$0 | 0.0% |
| California | $1,860 | $226 | 13.8% |
| Colorado | $1,560 | -$74 | -4.5% |
| Connecticut | $1,678 | $44 | 2.7% |
| Delaware | $1,848 | $214 | 13.1% |
| Florida | $2,040 | $406 | 24.8% |
| Georgia | $1,508 | -$126 | -7.7% |
| Hawaii | $1,172 | -$462 | -28.3% |
| Idaho | $1,108 | -$526 | -32.2% |
| Illinois | $1,218 | -$416 | -25.5% |
| Indiana | $1,230 | -$404 | -24.7% |
| Iowa | $1,104 | -$530 | -32.4% |
| Kansas | $1,550 | -$84 | -5.1% |
| Kentucky | $2,228 | $594 | 36.4% |
| Louisiana | $2,418 | $784 | 48.0% |
| Maine | $1,008 | -$626 | -38.3% |
| Maryland | $1,348 | -$286 | -17.5% |
| Massachusetts | $1,304 | -$330 | -20.2% |
| Michigan | $2,836 | $1,202 | 73.6% |
| Minnesota | $1,366 | -$268 | -16.4% |
| Mississippi | $1,956 | $322 | 19.7% |
| Missouri | $1,450 | -$184 | -11.3% |
| Montana | $1,756 | $122 | 7.5% |
| Nebraska | $1,286 | -$348 | -21.3% |
| Nevada | $1,958 | $324 | 19.8% |
| New Hampshire | $1,176 | -$458 | -28.0% |
| New Jersey | $1,826 | $192 | 11.8% |
| New Mexico | $1,446 | -$188 | -11.5% |
| New York | $1,718 | $84 | 5.1% |
| North Carolina | $940 | -$694 | -42.5% |
| North Dakota | $1,338 | -$296 | -18.1% |
| Ohio | $1,128 | -$506 | -31.0% |
| Oklahoma | $1,676 | $42 | 2.6% |
| Oregon | $1,494 | -$140 | -8.6% |
| Pennsylvania | $1,558 | -$76 | -4.7% |
| Rhode Island | $2,180 | $546 | 33.4% |
| South Carolina | $1,480 | -$154 | -9.4% |
| South Dakota | $1,376 | -$258 | -15.8% |
| Tennessee | $1,430 | -$204 | -12.5% |
| Texas | $1,966 | $332 | 20.3% |
| Utah | $1,208 | -$426 | -26.1% |
| Vermont | $1,118 | -$516 | -31.6% |
| Virginia | $978 | -$656 | -40.1% |
| Washington | $1,260 | -$374 | -22.9% |
| West Virginia | $1,496 | -$138 | -8.4% |
| Wisconsin | $1,130 | -$504 | -30.8% |
| Wyoming | $1,456 | -$178 | -10.9% |
Since prices can be so different, the best way to find out exactly what you will pay is to regularly compare prices from as many companies as possible. Every auto insurance company utilizes a different rate formula, so rate quotes may be quite different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Charger 3.5 | $1,592 | $133 |
| Dodge Charger | $1,592 | $133 |
| Dodge Charger 3.5 AWD | $1,634 | $136 |
| Dodge Charger AWD | $1,634 | $136 |
| Dodge Charger Rallye | $1,634 | $136 |
| Dodge Charger SXT | $1,634 | $136 |
| Dodge Charger SXT AWD | $1,634 | $136 |
| Dodge Charger R/T | $1,674 | $140 |
| Dodge Charger Rallye AWD | $1,674 | $140 |
| Dodge Charger R/T AWD | $1,716 | $143 |
| Dodge Charger SRT-8 | $1,756 | $146 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Dodge Charger | $344 | $596 | $498 | $1,638 |
| 2022 Dodge Charger | $332 | $582 | $520 | $1,634 |
| 2021 Dodge Charger | $320 | $558 | $536 | $1,614 |
| 2020 Dodge Charger | $304 | $538 | $554 | $1,596 |
| 2019 Dodge Charger | $292 | $500 | $564 | $1,556 |
| 2018 Dodge Charger | $280 | $470 | $570 | $1,520 |
| 2017 Dodge Charger | $268 | $422 | $574 | $1,464 |
| 2016 Dodge Charger | $250 | $388 | $574 | $1,412 |
| 2015 Dodge Charger | $242 | $364 | $580 | $1,386 |
| 2014 Dodge Charger | $236 | $340 | $592 | $1,368 |
| 2013 Dodge Charger | $218 | $316 | $592 | $1,326 |
| 2012 Dodge Charger | $212 | $286 | $596 | $1,294 |
| 2011 Dodge Charger | $198 | $262 | $592 | $1,252 |
| 2010 Dodge Charger | $186 | $238 | $592 | $1,216 |
| 2009 Dodge Charger | $180 | $214 | $586 | $1,180 |
| 2008 Dodge Charger | $178 | $208 | $574 | $1,160 |
| 2007 Dodge Charger | $176 | $198 | $564 | $1,138 |
| 2006 Dodge Charger | $160 | $190 | $558 | $1,108 |
Rates are averaged for all Dodge Charger models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Cheaper Dodge Charger Insurance
Getting lower rates on Dodge Charger insurance consists of having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to shop around every year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The following items are a condensed summary of the coverage data illustrated above.
- You may be able to save as much as $190 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles could save up to $600 each year
- 16 to 18-year-old drivers are expensive to insure, costing up to $514 a month if comprehensive and collision insurance is included
- High-risk drivers with multiple at-fault accidents pay an average of $1,890 more each year than a driver with a clean driving record
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,168 |
| 20 | $3,764 |
| 30 | $1,696 |
| 40 | $1,634 |
| 50 | $1,492 |
| 60 | $1,462 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,036 |
| $250 | $1,852 |
| $500 | $1,634 |
| $1,000 | $1,426 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,634 |
| 50/100 | $1,860 |
| 100/300 | $1,990 |
| 250/500 | $2,328 |
| 100 CSL | $1,912 |
| 300 CSL | $2,198 |
| 500 CSL | $2,406 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,784 |
| 20 | $5,988 |
| 30 | $3,598 |
| 40 | $3,528 |
| 50 | $3,368 |
| 60 | $3,334 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $86 |
| Multi-vehicle | $86 |
| Homeowner | $25 |
| 5-yr Accident Free | $117 |
| 5-yr Claim Free | $105 |
| Paid in Full/EFT | $72 |
| Advance Quote | $79 |
| Online Quote | $115 |
| Total Discounts | $685 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
