Dodge Charger Insurance Rates

Estimated auto insurance rates for a Dodge Charger are $1,614 annually for full coverage. Comprehensive costs approximately $320 each year, collision costs $558, and liability costs $536. Liability-only insurance costs as little as $606 a year, with high-risk driver insurance costing around $3,488. Teens pay the most at $6,134 a year or more.

Average premium for full coverage: $1,614

Premium estimates by type of coverage:

These estimates include $500 deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all states and Charger models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on car insurance rates. Rural locations are statistically proven to have fewer accident claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on auto insurance prices.

These rate differences show why all drivers should compare rates using their specific location and their own personal driving habits, instead of using averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $940
• Drivers who choose higher $1,000 deductibles will pay $200 a year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,614
• Selecting low deductibles for comprehensive and collision insurance will cost $2,000
• Higher-risk drivers with serious driving violations could pay around $3,488 or more
• An auto insurance policy with full coverage for a teen driver can cost $6,134 a year

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Insurance prices for a Dodge Charger also have a wide range based on the model of your Charger, your driver profile, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $1,500 per year on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay in the ballpark of $6,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying anywhere from $1,900 to $2,600 additional annually, depending on your age. Insurance for high-risk drivers can cost as much as 42% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $590 every year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $483 more each year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Dodge Charger insurance prices. A 40-year-old driver could pay as low as $1,070 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,300 on average in New York, Louisiana, and Michigan.

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With such a large range in prices, the only way to know who has the cheapest car insurance prices is to do a rate comparison and see which company has the best price. Every company calculates prices differently, and prices will be substantially different between companies.

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 Cheap Dodge Charger Insurance

Finding better rates on car insurance not only requires not taking risks behind the wheel, but also having good credit, not filing small claims, and qualifying for all possible discounts. Take the time to compare rates every time your policy renews by obtaining price quotes from direct carriers, and also from several local insurance agents.

The following is a brief summary of the information covered in the above illustrations.

• Drivers can save around $190 per year simply by quoting online in advance
• Teens are the costliest to insure, as much as $511 per month if they have full coverage
• Increasing policy deductibles could save up to $575 each year
• Higher risk drivers that tend to have accidents or serious violations pay on average $1,870 more per year for Charger insurance
• Policyholders who purchase higher liability limits will pay approximately $590 each year to go from 30/60 bodily injury limits to higher 250/500 limits