Dodge Charger Insurance Rates

The average insurance prices for a Dodge Charger are $1,614 every 12 months with full coverage. Comprehensive insurance costs approximately $320, collision costs $558, and liability insurance is estimated at $536. Buying just liability costs approximately $606 a year, with insurance for high-risk drivers costing $3,488 or more. Teens cost the most to insure at $6,134 a year or more.

Average premium for full coverage: $1,614

Policy rates by type of insurance:

These estimates include $500 deductible amounts, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for all Charger models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. Rural locations are shown to have more infrequent collision claims than cities with more traffic congestion.

The example below illustrates how rural and urban location affects auto insurance prices.

The examples above demonstrate why everyone should get quotes using their specific location and their own driving history, rather than relying on averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $940
• Choosing higher $1,000 deductibles can save $200 annually
• The average price for a good driver age 40 who chooses $500 deductibles is $1,614
• Selecting pricier low deductibles for comp and collision coverage costs an extra $386 a year
• High-risk insureds with serious driving violations could pay around $3,488 or more
• Policy cost to insure a teen driver for full coverage can cost $6,134 each year

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $590 each year, whereas buying more liability protection will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $483 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles could pay as little as $1,500 annually on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers 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 were responsible for an accident, you may be forking out anywhere from $1,900 to $2,600 extra every year, depending on your age. Dodge Charger insurance for high-risk drivers ranges anywhere from 42% to 132% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Dodge Charger insurance rates. A good driver about age 40 could pay as low as $1,160 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,180 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates from as many companies as possible. Each auto insurer calculates rates differently, so the rates will be varied.

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 Cheap Dodge Charger Insurance

Finding cheaper rates on Dodge Charger insurance takes having a good driving record, having good credit, not filing small claims, and maximizing policy discounts. Set aside time to shop around every couple of years by requesting quotes from direct companies, and also from insurance agencies where you live.

The next list is a brief summary of the material that was raised in the charts and tables above.

• Drivers who purchase increased levels of liability coverage will pay approximately $590 every year to raise limits from a 30/60 limit to a 250/500 level
• Drivers age 20 and younger are expensive to insure, as much as $511 each month if they have full coverage
• High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,870 more per year to buy Dodge Charger insurance
• Increasing comprehensive and collision deductibles could save as much as $575 each year