Dodge Charger Insurance Rates

The average insurance rates for a Dodge Charger are $1,634 a year for full coverage insurance. Comprehensive insurance costs around $332 a year, collision costs $582, and liability coverage costs around $520. Liability-only insurance costs as low as $592 a year, with high-risk driver insurance costing $3,528 or more. Teenage drivers cost the most to insure at $6,168 a year or more.

Average premium for full coverage: $1,634

Policy rates for type of insurance:

Prices include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Charger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than densely populated cities.

The diagram below illustrates how location impacts auto insurance rates.

The examples above illustrate why it is important to compare prices for a specific zip code, rather than using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $949
• Using higher $1,000 deductibles will save about $1,426 each year
• The estimated price for a good driver age 40 using $500 deductibles is $1,634
• Using low $100 deductibles for physical damage coverage will cost an additional $402 each year
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,528 or more
• Policy cost that insures a teenage driver can be $6,168 or more

View Chart as Image

Auto insurance rates for a Dodge Charger also range considerably based on the trim level of your Charger, your age and driving record, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at least $1,900 to $2,700 in extra premium every year, depending on your age. A high-risk auto insurance policy can be around 44% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay as much as $6,100 a year. View Rates by Age

Your home state has a huge impact on Dodge Charger insurance rates. A driver around age 40 might see rates 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 cut rates by as much as $610 a year, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out your exact price is to get quotes and see how they stack up. Each insurance company uses a different method to calculate rates, and quoted rates will be varied.

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 the Right Dodge Charger Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and violations, maintaining a good credit score, being claim-free, and maximizing policy discounts. Compare prices at least once a year by requesting rates from direct insurance companies, and also from insurance agencies where you live.

The list below is a quick rundown of the primary concepts that were touched on above.

• It is possible to save up to $190 per year simply by quoting early and online
• Drivers with reckless driving or DUI convictions could be forced to pay on average $1,890 more every year for car insurance
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• Teenagers are expensive to insure, possibly costing $514 each month if the policy includes full coverage