Dodge Charger Insurance Rates

U.S. average auto insurance rates for a Dodge Charger are $1,614 annually for full coverage. Comprehensive costs on average $320 a year, collision costs $558, and liability costs around $536. Buying just liability costs as low as $606 a year, with insurance for high-risk drivers costing around $3,488. Teen drivers pay the highest rates at $6,134 a year or more.

Average premium for full coverage: $1,614

Price estimates by individual coverage:

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and Charger trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance rates. Rural areas have fewer accident claims than larger metro areas.

The diagram below illustrates how location impacts car insurance rates.

The ranges above show why it is important to compare prices based on a specific location and their own personal driving habits, instead of making a decision based on price averages.

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

Additional Rate Information

The chart below shows estimated Dodge Charger insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $940
• Using higher $1,000 deductibles will save around $1,414 a year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,614
• Choosing low $100 deductibles for physical damage coverage will cost $2,000
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,488 or more
• The price with full coverage for a 16-year-old driver may cost $6,134 or more

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Insurance prices for a Dodge Charger are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,500 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $6,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,900 to $2,600 additional each year, depending on your age. A high-risk auto insurance policy can be from 42% to 132% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $590 annually, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $483 more each year. View Rates by Deductible or Liability Limit

The state you live in 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 Idaho, Maine, and Iowa, or as much as $2,300 on average in Michigan, Louisiana, and New York.

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Since prices can be so different, the only way to know exactly what you will pay is to get quotes from multiple companies. Each insurance company uses a different rate calculation, and prices may be quite 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 Cheaper Dodge Charger Insurance

Getting lower rates on insurance for a Dodge Charger requires avoiding accidents and violations, having good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Spend time shopping around every year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The list below is a condensed summary of the coverage data touched on above.

• Drivers can save as much as $190 per year simply by quoting early and online
• Increasing physical damage deductibles could save up to $575 each year
• Teenagers pay higher prices, with premiums as much as $511 a month if they have full coverage
• Drivers considered higher risk with multiple at-fault accidents may be required to pay an average of $1,870 more each year for car insurance