Dodge Charger Insurance Rates

The average insurance rates for a Dodge Charger are $1,614 a year including full coverage. Comprehensive costs approximately $320, collision costs $558, and liability is estimated at $536. A liability-only policy costs approximately $606 a year, with high-risk insurance costing around $3,488. Teen drivers 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:

Rates are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Charger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than larger metro areas.

The price range example below illustrates how location helps determine auto insurance prices.

The examples above highlight why anyone shopping for car insurance should get quotes using their specific location, instead of using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $940
• Choosing higher $1,000 deductibles can save $200 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,614
• Choosing more expensive low deductibles for comp and collision coverage bumps up the cost to $2,000
• Unlucky drivers with multiple violations and an at-fault accident could pay around $3,488 or more
• Policy cost that insures a teen driver with full coverage can cost $6,134 each year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,900 to $2,600 extra every year, depending on your age. High-risk driver insurance ranges as much as 42% to 132% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,500 annually on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged in the ballpark of $6,100 a year. View Rates by Age

Your home state 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 as much as $2,300 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $590 every year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $483 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, so rate quotes 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 Find the Best Cheap Dodge Charger Insurance

Finding cheaper rates on car insurance takes having a decent driving record, having a positive credit history, paying for small claims out-of-pocket, and avoiding coverage lapses. Shop around every couple of years by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.

The following items are a quick review of the material that was covered in the charts and tables above.

• Policyholders who purchase additional liability coverage will pay about $590 per year to raise limits from a 30/60 limit to the 250/500 level
• 16 to 18-year-old drivers pay the highest auto insurance rates, with premiums being up to $511 each month if full coverage is purchased
• Higher risk drivers with a DUI or reckless driving violation will likely pay on average $1,870 more per year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save approximately $575 each year