Dodge Charger Insurance Rates

Average insurance rates for a Dodge Charger are $1,634 a year for full coverage insurance. Comprehensive insurance costs around $332 each year, collision costs $582, and liability costs $520. A policy with just liability insurance costs as little as $592 a year, with coverage for high-risk drivers costing $3,528 or more. Teenage drivers receive the highest rates at $6,168 a year or more.

Average premium for full coverage: $1,634

Rate estimates for individual coverage type:

These estimates include $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and Charger models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on car insurance rates. Areas with sparse population tend to have a lower frequency of physical damage claims than densely populated cities.

The graphic below illustrates how where you live affects auto insurance rates.

These examples illustrate why all drivers should compare rates for a specific zip code and risk profile, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below illustrates estimated Dodge Charger insurance rates for additional coverage choices and driver risks.

• The best discount rate is $949
• Drivers who choose higher $1,000 deductibles will pay about $208 each year
• The average rate for a 40-year-old driver using $500 deductibles is $1,634
• Using low deductibles for comprehensive and collision insurance will cost an extra $402 annually
• Drivers who are prone to accidents and violations could pay at least $3,528 or more
• The cost for full coverage for a 16-year-old driver can be $6,168 a year

View Chart as Image

Insurance rates for a Dodge Charger can also vary considerably based on your driver profile, the model year and trim level, and deductibles and policy limits.

More mature drivers with no violations or accidents and high deductibles may pay as low as $1,500 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay as much as $6,100 a year. View Rates by Age

Where you 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 Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,200 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $610 annually, whereas increasing liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost as much as $468 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying at least $1,900 to $2,700 additional per year, depending on your age. Insurance for high-risk drivers can cost from 44% to 130% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out your exact price is to do a rate comparison from multiple companies. Every company uses a different method to calculate rates, and rates can be significantly different from one company to the next.

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 Find Cheap Dodge Charger Insurance

Saving money on insurance for a Dodge Charger not only requires being safe and accident-free, but also having a good credit history, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to comparison shop every couple of years by requesting rates from direct insurance companies like GEICO and Progressive, and also from local exclusive and independent agents.

Below you'll find a brief summary of the material that was touched on in the above illustrations.

• Insureds who may need more liability protection will pay an extra $570 annually to go from a minimum limit to 250/500 limits
• Youthful drivers are charged the highest rates, costing up to $514 per month including comprehensive and collision insurance
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,890 more every year than a low-risk driver
• Increasing deductibles can save around $600 each year