Dodge Charger Insurance Rates

The average insurance rates for a Dodge Charger are $1,614 a year for full coverage. Comprehensive costs on average $320 each year, collision costs $558, and liability coverage costs around $536. A liability-only policy costs as low as $606 a year, with high-risk insurance costing around $3,488. Teenage drivers cost the most to insure at $6,134 a year or more.

Average premium for full coverage: $1,614

Policy rates by type of insurance:

Price estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and Charger models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have lower incidents of accident claims than densely populated cities.

The graphic below illustrates how rural and urban location affects car insurance rates.

The examples above show why all drivers should compare prices based on a specific location, rather than using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $940
• Using higher $1,000 deductibles will save around $200 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,614
• Using low deductibles for physical damage coverage bumps up the cost to $2,000
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,488 or more
• Policy cost that insures a teenage driver may cost $6,134 or more

View Chart as Image

Car insurance rates for a Dodge Charger also range considerably based on the trim level and model year, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,900 to $2,600 extra every year, depending on your age. Insurance for high-risk drivers can be around 42% to 132% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations 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 be charged upwards of $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 Idaho, Maine, and Iowa, or be forced to pay as much as $2,300 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $590 a year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $483 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate rates, so rate quotes 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 Cheaper Dodge Charger Insurance

Finding cheaper rates on auto insurance requires being a low-risk driver, having a positive credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Compare prices once a year by getting quotes from direct carriers, and also from local exclusive and independent agents.

The items below are a condensed summary of the data that was raised in the charts and tables above.

• Drivers can save as much as $190 per year simply by quoting online in advance
• Consumers who require more liability coverage will pay an extra $590 each year to increase from a 30/60 limit to the 250/500 level
• Teen drivers are expensive to insure, costing up to $511 each month if full coverage is purchased
• Drivers with multiple at-fault accidents may pay on average $1,870 more each year to insure their Charger