Dodge Charger Insurance Rates

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

Average premium for full coverage: $1,614

Policy rates by type of insurance:

Estimates include $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for different Charger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates the effect of geographic area on auto insurance prices.

The examples above highlight why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, rather than using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $940
• Choosing higher $1,000 deductibles can save $200 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,614
• Selecting more expensive low deductibles for comp and collision coverage will cost $2,000
• Drivers with serious driving violations could pay around $3,488
• Policy cost with full coverage for a teenage driver with full coverage can cost $6,134 each year

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

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,500 annually on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $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 anywhere from $1,900 to $2,600 additional every year, depending on your age. High-risk driver insurance ranges around 42% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $590 a year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $483 more each year. View Rates by Deductible or Liability Limit

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 Vermont, New Hampshire, and Missouri, or have to pay at least $2,300 on average in Louisiana, New York, and Michigan.

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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 Low Cost Dodge Charger Insurance

Finding cheaper rates on auto insurance takes being a good driver, having good credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Take the time to compare rates every couple of years by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following list is a review of the material that was covered in the above illustrations.

• Consumers who purchase an increased level of liability coverage will pay approximately $590 per year to raise limits from a 30/60 limit to higher 250/500 limits
• Drivers age 16 to 20 are the costliest to insure, with premiums being up to $511 each month if they have full coverage
• Drivers who have several accidents or serious violations may have to pay on average $1,870 more per year than a safer driver
• Increasing comprehensive and collision deductibles could save up to $575 each year