Dodge Charger Insurance Rates

The average insurance prices for a Dodge Charger are $1,634 every 12 months with full coverage. Comprehensive costs on average $332 a year, collision insurance costs $582, and liability costs $520. Liability-only coverage costs as little as $592 a year, and high-risk coverage costs around $3,528. Teenage drivers cost the most to insure at up to $6,168 a year.

Average premium for full coverage: $1,634

Policy rates by type of insurance:

Full coverage includes $500 physical damage insurance deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and Charger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on auto insurance rates. Rural areas are shown to have more infrequent collision claims than densely populated cities. The diagram below illustrates how geographic area affects car insurance rates.

The examples above demonstrate why it is important to compare rates based on a specific location and their own driving history, instead of making a decision based on average rates.

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

Rate Comparisons

The chart below details average Dodge Charger insurance rates for different risk profiles and scenarios.

• The best discount rate is $949
• Drivers who choose higher $1,000 deductibles will pay around $1,426 annually
• The average price for a good driver age 40 with $500 deductibles is $1,634
• Using low $100 deductibles for comprehensive and collision insurance increases the price to $2,036
• Drivers who are prone to accidents and violations could pay upwards of $3,528
• Policy cost to insure a 16-year-old driver may cost $6,168 a year

View Chart as Image

Insurance rates for a Dodge Charger also range considerably based on liability limits and deductibles, your driving record, and the trim level of your Charger.

Using high physical damage deductibles could save up to $610 annually, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $468 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as low as $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay upwards of $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 may be forking out at a minimum $1,900 to $2,700 additional every year, depending on your age. A high-risk auto insurance policy can cost from 44% to 130% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Dodge Charger insurance prices. A 40-year-old driver could pay as low as $1,180 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,200 on average in Florida, Michigan, and New York.

View Chart as Image

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 More Affordable Dodge Charger Insurance

Finding cheaper rates on insurance for a Dodge Charger not only requires being a low-risk driver, but also having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Invest the time to compare rates once a year by getting rate quotes from direct companies, and also from local exclusive and independent agents.

The items below are a summary of the data that was presented in the illustrations above.

• You may be able to save as much as $190 per year just by quoting early and online
• Insureds who require more liability coverage will pay an extra $570 every year to go from a 30/60 limit to a 250/500 level
• Teen drivers pay higher rates, as much as $514 each month if full coverage is included
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,890 more each year to insure their Charger