Dodge Charger Insurance Rates

Estimated insurance rates for a Dodge Charger are $1,614 a year for full coverage insurance. Comprehensive insurance costs on average $320 a year, collision costs $558, and liability is estimated at $536. A policy with only liability insurance costs approximately $606 a year, with a high-risk policy costing $3,488 or more. Teens pay the most at $6,134 a year or more.

Average premium for full coverage: $1,614

Premium estimates by type of coverage:

Includes $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and Charger trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

These rate differences illustrate why it is important to get quotes based on a specific location and risk profile, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

The chart below illustrates estimated Dodge Charger insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $940
• Choosing higher $1,000 deductibles can save around $1,414 each year
• The average rate for a 40-year-old good driver with $500 deductibles is $1,614
• Selecting low $100 deductibles for comp and collision coverage will cost an extra $386 annually
• Higher-risk drivers with serious driving violations could pay upwards of $3,488 or more
• An auto insurance policy for full coverage for a 16-year-old driver may cost $6,134 each year

View Chart as Image

Car insurance prices for a Dodge Charger also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.

Older drivers with no driving violations and high deductibles may pay as low as $1,500 annually on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged upwards of $6,100 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Dodge Charger insurance prices. A good driver about age 40 could pay as low as $1,050 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,180 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $590 annually, while buying higher liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $483 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,900 to $2,600 extra annually, depending on your age. A high-risk auto insurance policy ranges from 42% to 132% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the only way to figure out exactly what you will pay is to get quotes from multiple companies. Each auto insurer calculates prices differently, so rate quotes will be substantially different from one company to the next.

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 Cheapest Dodge Charger Insurance

Finding better rates on insurance for a Dodge Charger takes being safe and accident-free, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to compare rates at least once a year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below you'll find a recap of the primary concepts that were covered above.

• It is possible to save as much as $190 per year simply by quoting early and online
• Drivers considered higher risk that have major violations or accidents pay an average of $1,870 more each year than a low-risk driver
• Increasing policy deductibles can save around $575 each year
• Youthful drivers are expensive to insure, with premiums being up to $511 per month if full coverage is included