Dodge Charger Insurance Rates

U.S. average insurance rates for a Dodge Charger are $1,614 a year with full coverage. Comprehensive insurance costs approximately $320 each year, collision costs $558, and liability costs around $536. A policy with just liability insurance costs as low as $606 a year, with coverage for high-risk drivers costing $3,488 or more. Teenage drivers pay the highest rates at $6,134 a year or more.

Average premium for full coverage: $1,614

Price estimates by individual coverage:

Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Charger models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on the price of insurance. Rural locations have lower incidents of collision claims than densely populated cities.

The graphic below illustrates how geographic area affects auto insurance prices.

The ranges above demonstrate why all drivers should compare prices using their specific location, instead of using average rates.

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

More Rate Details

The chart below details estimated Dodge Charger insurance rates for additional coverage and risk scenarios.

• The best discount rate is $940
• Using higher $1,000 deductibles will save $200 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,614
• Using low deductibles for physical damage coverage will cost an additional $386 every year
• Drivers who are prone to accidents and violations could pay around $3,488 or more
• The price that insures a teen driver can cost $6,134 or more

View Chart as Image

Insurance prices for a Dodge Charger are also quite variable based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,900 to $2,600 extra each year, depending on your age. Insurance for high-risk drivers can be as much as 42% to 132% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,500 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay in the ballpark of $6,100 a year. View Rates by Age

The state you live in has a huge impact on Dodge Charger insurance prices. A driver around age 40 might see prices as low as $1,160 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,180 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $590 every year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $483 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison and see which company has the best price. Each insurance company uses a different method to calculate prices, so the prices may be quite different.

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 More Affordable Dodge Charger Insurance

Getting lower rates on car insurance requires having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Compare prices every time your policy renews by getting quotes from direct companies, and also from local insurance agencies.

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

• You may be able to save around $190 per year simply by quoting online in advance
• 16 to 18-year-old drivers are expensive to insure, costing up to $511 a month if full coverage is included
• Increasing physical damage deductibles can save approximately $575 each year
• Higher risk drivers who have multiple accidents or major violations may have to pay on average $1,870 more per year than a driver with a clean driving record
• Policyholders who purchase additional liability coverage will pay an extra $590 every year to increase from a low limit to the 250/500 level