Dodge Charger Insurance Rates

Estimated insurance rates for a Dodge Charger are $1,614 a year for full coverage insurance. Comprehensive insurance costs approximately $320 a year, collision insurance costs $558, and liability is estimated at $536. A policy with only liability insurance costs approximately $606 a year, and a high-risk policy costs $3,488 or more. Teenage drivers pay the most at up to $6,134 a year.

Average premium for full coverage: $1,614

Premium estimates by type of coverage:

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and Charger trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than densely populated cities. The diagram below illustrates how geographic area affects auto insurance prices.

These rate differences illustrate why it is important to get quotes using their specific location, instead of making a decision based on average rates.

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

More Rate Details

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

• The best discount rate is $940
• Choosing higher $1,000 deductibles can save $1,414 each year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,614
• Using low $100 deductibles for comp and collision coverage will cost an additional $386 annually
• Higher-risk drivers who are prone to accidents and violations could pay around $3,488
• An auto insurance policy that insures a 16-year-old driver can cost $6,134 each year

View Chart as Image

Car insurance prices for a Dodge Charger also have a wide range based on the trim level of your Charger, your age and driving record, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are probably paying anywhere from $1,900 to $2,600 extra annually, depending on your age. A high-risk auto insurance policy ranges from 42% to 132% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,500 annually on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $6,100 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Dodge Charger insurance prices. A good driver about age 40 could pay 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 save as much as $590 annually, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $483 extra every 12 months. View Rates by Deductible or Liability Limit

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

Finding better rates on insurance for a Dodge Charger takes having a decent driving record, having a positive credit history, paying for small claims out-of-pocket, and attention to physical damage deductibles. Compare prices every time your policy renews by requesting quotes from direct insurance companies, and also from your local car insurance providers.

The following items are a brief summary of the information presented in the illustrations above.

• It is possible to save around $190 per year just by quoting early and online
• 16 to 18-year-old drivers pay the highest auto insurance prices, with premiums being up to $511 per month if full coverage is purchased
• Increasing policy deductibles can save approximately $575 each year
• Drivers considered higher risk that tend to have accidents or serious violations could be charged and average of $1,870 more per year than a driver with a clean driving record
• Insureds who purchase additional liability coverage will pay an extra $590 annually to raise limits from 30/60 bodily injury limits to the 250/500 level