Dodge Charger Insurance Rates

The average auto insurance rates for a Dodge Charger are $1,634 annually for full coverage. Comprehensive costs approximately $332 a year, collision insurance costs $582, and liability coverage costs $520. Buying just liability costs as little as $592 a year, and insurance for high-risk drivers costs around $3,528. Teen 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:

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

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural locations are shown to have fewer accident claims than larger metro areas. The diagram below illustrates how where you live affects auto insurance prices.

The examples above show why it is important to compare rates using their specific location and their own personal driving habits, rather than using price averages.

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

Detailed Rate Analysis

The chart below shows average Dodge Charger insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $949
• Drivers who choose higher $1,000 deductibles will pay $1,426 a year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,634
• Choosing low $100 deductibles for comprehensive and collision insurance will cost $2,036
• High-risk insureds with multiple violations and an at-fault accident could pay around $3,528
• Policy cost with full coverage for a teenage driver can cost $6,168 a year

View Chart as Image

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

Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,500 per year on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $6,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying anywhere from $1,900 to $2,700 extra every year, depending on your age. A high-risk auto insurance policy can cost around 44% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $610 a year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $468 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Dodge Charger insurance rates. A 40-year-old driver could pay as low as $1,080 a year in states like Iowa, Maine, and Idaho, or as much as $2,330 on average in New York, Louisiana, and Michigan.

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 Buy the Cheapest Dodge Charger Insurance

Finding cheaper rates on auto insurance not only requires being safe and accident-free, but also having a good credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to comparison shop at every other renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a recap of the concepts that were touched on in the above illustrations.

• Drivers that have major violations or accidents pay on average $1,890 more per year than a low-risk driver
• Youthful drivers are expensive to insure, costing up to $514 each month including comprehensive and collision insurance
• Drivers can save around $190 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $600 each year
• Drivers can save around $190 per year just by quoting early and online