Dodge Charger Insurance Rates

The average insurance rates for a Dodge Charger are $1,614 a year for full coverage insurance. Comprehensive costs approximately $320 each year, collision insurance costs $558, and liability insurance is $536. Liability-only coverage costs around $606 a year, and high-risk coverage costs around $3,488. Teenage drivers cost the most to insure at up to $6,134 a year.

Average premium for full coverage: $1,614

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Charger models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance prices.

The examples above illustrate why all drivers should compare rates quotes using their specific location and risk profile, rather than relying on average rates.

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

Rates by State, City, and Model

The chart below illustrates average Dodge Charger insurance rates for additional coverage and risk scenarios.

• The best discount rate is $940
• Raising to $1,000 deductibles will save $200 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,614
• Using low deductibles will increase the cost to $2,000
• Higher-risk drivers who are prone to accidents and violations could pay around $3,488
• Policy cost for full coverage for a teen driver can cost $6,134

View Chart as Image

Insurance rates for a Dodge Charger also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high deductibles could pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $6,100 a year. View Rates by Age

Your home state also has a big influence on Dodge Charger insurance rates. A middle-age driver might find rates as low as $1,050 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,180 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $590 each year, whereas increasing liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $483 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,900 to $2,600 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 42% to 132% more than a normal policy. View High Risk Driver Rates

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 Affordable Dodge Charger Insurance

Finding cheaper rates on Dodge Charger insurance consists of being safe and accident-free, having a good credit history, being claim-free, and consideration of higher deductibles. Invest time comparing rates every couple of years by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a brief review of the material that was covered in the charts and tables above.

• Drivers who purchase more liability protection will pay an extra $590 annually to raise from a 30/60 limit to 250/500 limits
• Youthful drivers are the costliest to insure, possibly costing $511 each month including comprehensive and collision insurance
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,870 more per year than a low-risk driver
• Increasing comprehensive and collision deductibles can save around $575 each year