Dodge Charger Insurance Rates

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UPDATED: Jun 8, 2024

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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:

Comprehensive $332
Collision $582
Liability $520

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

Using a middle-aged driver as an example, Dodge Charger insurance rates range from as cheap as $592 for just liability coverage to a high of $3,528 for a driver who requires high-risk insurance.

Liability Only $592
Full Coverage $1,634
High Risk $3,528

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.

Rural Areas $1,226
Small Cities $1,716
Large Cities $2,206

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.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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

Dodge Charger insurance cost comparison chart
Column chart showing Dodge Charger insurance rates range from $949 to $6,168 for full coverage

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.

Dodge Charger Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,476 -$158 -9.7%
Alaska $1,250 -$384 -23.5%
Arizona $1,354 -$280 -17.1%
Arkansas $1,634 -$0 0.0%
California $1,860 $226 13.8%
Colorado $1,560 -$74 -4.5%
Connecticut $1,678 $44 2.7%
Delaware $1,848 $214 13.1%
Florida $2,040 $406 24.8%
Georgia $1,508 -$126 -7.7%
Hawaii $1,172 -$462 -28.3%
Idaho $1,108 -$526 -32.2%
Illinois $1,218 -$416 -25.5%
Indiana $1,230 -$404 -24.7%
Iowa $1,104 -$530 -32.4%
Kansas $1,550 -$84 -5.1%
Kentucky $2,228 $594 36.4%
Louisiana $2,418 $784 48.0%
Maine $1,008 -$626 -38.3%
Maryland $1,348 -$286 -17.5%
Massachusetts $1,304 -$330 -20.2%
Michigan $2,836 $1,202 73.6%
Minnesota $1,366 -$268 -16.4%
Mississippi $1,956 $322 19.7%
Missouri $1,450 -$184 -11.3%
Montana $1,756 $122 7.5%
Nebraska $1,286 -$348 -21.3%
Nevada $1,958 $324 19.8%
New Hampshire $1,176 -$458 -28.0%
New Jersey $1,826 $192 11.8%
New Mexico $1,446 -$188 -11.5%
New York $1,718 $84 5.1%
North Carolina $940 -$694 -42.5%
North Dakota $1,338 -$296 -18.1%
Ohio $1,128 -$506 -31.0%
Oklahoma $1,676 $42 2.6%
Oregon $1,494 -$140 -8.6%
Pennsylvania $1,558 -$76 -4.7%
Rhode Island $2,180 $546 33.4%
South Carolina $1,480 -$154 -9.4%
South Dakota $1,376 -$258 -15.8%
Tennessee $1,430 -$204 -12.5%
Texas $1,966 $332 20.3%
Utah $1,208 -$426 -26.1%
Vermont $1,118 -$516 -31.6%
Virginia $978 -$656 -40.1%
Washington $1,260 -$374 -22.9%
West Virginia $1,496 -$138 -8.4%
Wisconsin $1,130 -$504 -30.8%
Wyoming $1,456 -$178 -10.9%

View Chart as Image

Dodge Charger insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Dodge Charger Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Dodge Charger 3.5 $1,592 $133
Dodge Charger $1,592 $133
Dodge Charger 3.5 AWD $1,634 $136
Dodge Charger AWD $1,634 $136
Dodge Charger Rallye $1,634 $136
Dodge Charger SXT $1,634 $136
Dodge Charger SXT AWD $1,634 $136
Dodge Charger R/T $1,674 $140
Dodge Charger Rallye AWD $1,674 $140
Dodge Charger R/T AWD $1,716 $143
Dodge Charger SRT-8 $1,756 $146

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.

Dodge Charger Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2023 Dodge Charger $344 $596 $498 $1,638
2022 Dodge Charger $332 $582 $520 $1,634
2021 Dodge Charger $320 $558 $536 $1,614
2020 Dodge Charger $304 $538 $554 $1,596
2019 Dodge Charger $292 $500 $564 $1,556
2018 Dodge Charger $280 $470 $570 $1,520
2017 Dodge Charger $268 $422 $574 $1,464
2016 Dodge Charger $250 $388 $574 $1,412
2015 Dodge Charger $242 $364 $580 $1,386
2014 Dodge Charger $236 $340 $592 $1,368
2013 Dodge Charger $218 $316 $592 $1,326
2012 Dodge Charger $212 $286 $596 $1,294
2011 Dodge Charger $198 $262 $592 $1,252
2010 Dodge Charger $186 $238 $592 $1,216
2009 Dodge Charger $180 $214 $586 $1,180
2008 Dodge Charger $178 $208 $574 $1,160
2007 Dodge Charger $176 $198 $564 $1,138
2006 Dodge Charger $160 $190 $558 $1,108

Rates are averaged for all Dodge Charger models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

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

Rates by Driver Age

Dodge Charger Insurance Rates by Driver Age
Driver Age Premium
16 $6,168
20 $3,764
30 $1,696
40 $1,634
50 $1,492
60 $1,462

Full coverage, $500 deductibles

Rates by Deductible

Dodge Charger Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,036
$250 $1,852
$500 $1,634
$1,000 $1,426

Full coverage, driver age 40

Rates by Liability Limit

Dodge Charger Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,634
50/100 $1,860
100/300 $1,990
250/500 $2,328
100 CSL $1,912
300 CSL $2,198
500 CSL $2,406

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Charger Insurance Rates for High Risk Drivers
Age Premium
16 $8,784
20 $5,988
30 $3,598
40 $3,528
50 $3,368
60 $3,334

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $226

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $86
Multi-vehicle $86
Homeowner $25
5-yr Accident Free $117
5-yr Claim Free $105
Paid in Full/EFT $72
Advance Quote $79
Online Quote $115
Total Discounts $685
Rate after discounts $949

Discounts are estimated and may not be available from every company or in every state.

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