Dodge Charger Insurance Rates

Estimated insurance prices for a Dodge Charger are $1,614 every 12 months including full coverage. Comprehensive costs approximately $320 a year, collision costs $558, and liability coverage costs $536. A liability-only policy costs as little as $606 a year, with high-risk insurance costing around $3,488. 16-year-old drivers pay the most at $6,134 a year or more.

Average premium for full coverage: $1,614

Premium estimates by type of coverage:

Full coverage includes $500 deductible amounts, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and Charger trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than congested cities.

The diagram below illustrates the difference location can make on auto insurance prices.

These rate differences highlight why it is important to compare rates using their specific location and their own driving history, rather than using rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $940
• Drivers who choose higher $1,000 deductibles will pay $1,414 every year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,614
• Buying low $100 deductibles for comprehensive and collision insurance increases the price to $2,000
• High-risk insureds with multiple tickets or accidents could pay around $3,488 or more
• An auto insurance policy to insure a teenage driver can cost $6,134 a year

View Chart as Image

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

Opting for high physical damage deductibles could save up to $590 a year, while buying higher liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $483 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $1,500 per year on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay in the ballpark of $6,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,900 to $2,600 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost around 42% to 132% more than the average rate. View High Risk Driver Rates

Where you choose to live makes a big difference in Dodge Charger insurance rates. A 40-year-old driver could pay as low as $1,240 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,300 on average in Louisiana, New York, and Michigan.

View Chart as Image

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to get quotes and see how they stack up. Every company utilizes a different rate formula, and quoted prices will be substantially different.

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 better rates on auto insurance not only requires having a good driving record, but also having a good credit score, refrain from filing small claims, and not having any coverage lapses. Make time to compare rates at every policy renewal by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The next list is a summary of the data touched on in this article.

• Consumers who purchase increased levels of liability coverage will pay around $590 per year to go from 30/60 bodily injury limits to a 250/500 level
• You may be able to save around $190 per year simply by quoting early and online
• Increasing policy deductibles could save as much as $575 each year
• Drivers age 20 and younger have the highest car insurance prices, with the cost nearing $511 per month if comprehensive and collision insurance is included