Dodge Charger Insurance Rates

The average insurance prices for a Dodge Charger are $1,614 every 12 months including full coverage. Comprehensive costs on average $320 each year, collision costs $558, and liability coverage is estimated at $536. Liability-only coverage costs approximately $606 a year, with high-risk coverage costing around $3,488. Teens 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:

These estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Charger models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates how where you live affects car insurance rates.

The examples above highlight why all drivers should get quotes based on a specific location and their own driving history, rather than using averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $940
• Choosing higher $1,000 deductibles can save around $200 every year
• The average price for a good driver age 40 with $500 deductibles is $1,614
• Selecting low deductibles for comp and collision coverage increases the price to $2,000
• Drivers with serious driving violations could pay upwards of $3,488 or more
• Policy cost to insure a teenage driver may cost $6,134 each year

View Chart as Image

Insurance rates for a Dodge Charger also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your Charger.

Choosing higher comprehensive and collision insurance deductibles can save as much as $590 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $483 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $1,500 annually on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay upwards of $6,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at a minimum $1,900 to $2,600 additional every year, depending on your age. Insurance for high-risk drivers ranges around 42% to 132% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Dodge Charger insurance rates. A good driver about age 40 could pay 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 exactly what you will pay is to do a rate comparison and see how they stack up. Each auto insurer calculates rates differently, and 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 Shop for Cheap Dodge Charger Insurance

Finding cheaper rates on auto insurance takes being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Take the time to comparison shop at least every other year by quoting rates from direct car insurance companies, and also from your local independent and exclusive agents.

The items below are a brief summary of the car insurance concepts touched on in the above illustrations.

• Drivers that tend to have accidents or serious violations may pay on average $1,870 more each year to insure their Charger
• You may be able to save as much as $190 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $575 each year
• Consumers who require more liability coverage will pay approximately $590 per year to raise limits from a 30/60 limit to a 250/500 level