Dodge Charger Insurance Rates

Estimated auto insurance rates for a Dodge Charger are $1,614 annually including full coverage. Comprehensive insurance costs an estimated $320, collision insurance costs $558, and liability is $536. Liability-only coverage costs around $606 a year, and high-risk coverage costs $3,488 or more. Teenage drivers pay the most at up to $6,134 a year.

Average premium for full coverage: $1,614

Premium estimates broken down by type of coverage:

Rate estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and for different Charger trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare rates quotes for a targeted area and their own personal driving habits, instead of making a decision based on average rates.

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

Rates by State, City, and Model

The chart below breaks down average Dodge Charger insurance rates for other coverage scenarios.

• The best discount rate is $940
• Raising to $1,000 deductibles will save approximately $200 every year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,614
• Using more expensive low deductibles costs an additional $386 annually
• Drivers who are prone to accidents and violations could pay up to $3,488
• An auto insurance policy with full coverage for a 16-year-old driver with full coverage can cost as much as $6,134

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Insurance prices for a Dodge Charger also have a wide range based on the model of your Charger, your driving characteristics, and liability limits and deductibles.

An older driver with a clean driving record and high physical damage deductibles may pay as low as $1,500 every 12 months on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay at least $6,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying $1,900 to $2,600 extra annually, depending on your age. High-risk driver insurance is expensive and can cost from 42% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $590 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $483 more per year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Dodge Charger insurance prices. A middle-age driver might find prices as low as $1,240 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,300 on average in Louisiana, New York, and Michigan.

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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 Buy the Best Dodge Charger Insurance

Finding better rates on insurance for a Dodge Charger consists of being a safe and courteous driver, having a good credit history, refrain from filing small claims, and deciding if full coverage is necessary. Set aside time to compare rates every time your policy renews by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

Below is a brief recap of the information covered above.

• You may be able to save approximately $190 per year just by shopping early and online
• Teenage drivers are charged the highest prices, with the cost nearing $511 per month including comprehensive and collision insurance
• Increasing policy deductibles could save up to $575 each year
• Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,870 more annually for auto insurance
• Insureds who want higher levels of liability will pay an extra $590 per year to raise from 30/60 bodily injury limits to higher 250/500 limits