Dodge Charger Insurance Rates

Estimated insurance rates for a Dodge Charger are $1,614 a year for full coverage. Comprehensive costs approximately $320 each year, collision costs $558, and liability costs around $536. A liability-only policy costs as low 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:

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and Charger models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than congested cities.

The graphic below illustrates how location helps determine auto insurance prices.

These rate differences show why all drivers should compare prices using their specific location, instead of making a decision based on rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $940
• Using higher $1,000 deductibles will save $200 a year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,614
• Buying low deductibles for physical damage coverage bumps up the cost to $2,000
• High-risk insureds with multiple tickets or accidents could pay around $3,488 or more
• An auto insurance policy that insures a 16-year-old driver can cost $6,134 or more

View Chart as Image

Auto insurance prices for a Dodge Charger also have a wide range based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,900 to $2,600 in extra premium annually, depending on your age. Insurance for high-risk drivers can be from 42% to 132% more than the average rate. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,500 a year, or $125 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $6,100 a year. View Rates by Age

Where you choose to live has a huge impact on Dodge Charger insurance prices. A driver around age 40 might see prices as low as $1,070 a year in states like Iowa, Maine, and Idaho, or at least $2,300 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $590 annually, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $483 extra every year. View Rates by Deductible or Liability Limit

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 from multiple companies. Each insurance 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 Find Cheaper Dodge Charger Insurance

Finding better rates on insurance for a Dodge Charger requires being safe and accident-free, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Comparison shop at least once a year by requesting quotes from direct carriers, and also from insurance agencies where you live.

Below you'll find a condensed summary of the primary concepts that were covered in the charts and tables above.

• Drivers can save around $190 per year simply by quoting online in advance
• Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,870 more per year than a low-risk driver
• Increasing policy deductibles can save approximately $575 each year
• Youthful drivers have the highest car insurance prices, as much as $511 per month if the policy includes full coverage