Dodge Charger Insurance Rates

The average insurance prices for a Dodge Charger are $1,614 every 12 months for full coverage. Comprehensive insurance costs an estimated $320 a year, collision costs $558, and liability is $536. Liability-only insurance costs around $606 a year, with high-risk driver insurance costing $3,488 or more. Teen drivers cost the most to insure at $6,134 a year or more.

Average premium for full coverage: $1,614

Policy rates broken down by type of insurance:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Charger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on insurance rates. More rural locations are shown to have more infrequent accident claims than larger metro areas.

The diagram below illustrates how where you live affects insurance prices.

The examples above show why it is important to compare rates quotes for a targeted area and their own driving history, instead of making a decision based on price averages.

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

Additional Rate Information

The chart below shows estimated Dodge Charger insurance rates for other coverage scenarios.

• The lowest rate with discounts is $940
• Raising to $1,000 deductibles will save approximately $1,414 a year
• The average price for a good driver age 40 who has $500 deductibles is $1,614
• Choosing low $100 deductibles costs an extra $386 annually
• Drivers with multiple violations and an at-fault accident could pay up to $3,488 or more
• Policy cost to insure a 16-year-old driver can cost as much as $6,134

View Chart as Image

Auto insurance rates for a Dodge Charger also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.

Choosing high deductibles can reduce rates by up to $590 annually, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $483 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as low as $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $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 could be paying $1,900 to $2,600 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 42% to 132% more than average. View High Risk Driver Rates

Your home state also has a big influence on Dodge Charger insurance prices. A middle-age driver might find rates as low as $1,070 a year in states like Iowa, Maine, and Idaho, or as much as $2,300 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes from multiple companies. Every auto insurance company uses a different rate calculation, and quoted 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 insurance for a Dodge Charger consists of being a good driver, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to comparison shop every time your policy renews by getting quotes from direct carriers, and also from several local insurance agents.

The following list is a recap of the information touched on in the above illustrations.

• Drivers can save approximately $190 per year simply by quoting early and online
• Drivers age 16 to 20 are the costliest to insure, costing up to $511 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save as much as $575 each year
• Drivers considered higher risk that have major violations or accidents pay on average $1,870 more annually than a safer driver
• Insureds who want an increased level of liability coverage will pay about $590 each year to raise from a 30/60 limit to a 250/500 level