Dodge Charger Insurance Rates

The average auto insurance rates for a Dodge Charger are $1,614 annually including full coverage. Comprehensive insurance costs around $320 a year, collision costs $558, and liability costs around $536. Liability-only insurance costs as low as $606 a year, with high-risk driver insurance costing $3,488 or more. Teens cost the most to insure at $6,134 a year or more.

Average premium for full coverage: $1,614

Policy rates for type of insurance:

Includes $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Charger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates the difference location can make on auto insurance rates.

The examples above highlight why it is important to compare prices for a specific zip code and their own personal driving habits, instead of using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $940
• Using higher $1,000 deductibles will save about $1,414 every year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,614
• Selecting low $100 deductibles for physical damage coverage costs an additional $386 every year
• Drivers with serious driving violations could pay at least $3,488 or more
• Policy cost with full coverage for a teen driver can be $6,134 or more

View Chart as Image

Auto insurance rates for a Dodge Charger also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.

Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay as much as $6,100 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,900 to $2,600 in extra premium every year, depending on your age. A high-risk auto insurance policy can be as much as 42% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $590 every year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $483 extra every year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Dodge Charger insurance prices. A driver around age 40 might see rates as low as $1,240 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,300 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out your exact price is to get quotes and see which company has the best rate. Each insurance company calculates rates differently, and quoted rates will be varied 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 the Cheapest Dodge Charger Insurance

Finding cheaper rates on car insurance requires not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Make time to compare rates every other policy renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a recap of the ideas that were touched on in this article.

• Teens are expensive to insure, with premiums being up to $511 each month if full coverage is included
• Higher risk drivers that have major violations or accidents may pay on average $1,870 more every year for Charger insurance
• Increasing comprehensive and collision deductibles could save up to $575 each year
• You may be able to save up to $190 per year simply by quoting early and online