Dodge Charger Insurance Rates

U.S. average insurance rates for a Dodge Charger are $1,634 a year with full coverage. Comprehensive insurance costs approximately $332, collision costs $582, and liability is $520. A policy with just liability insurance costs around $592 a year, with coverage for high-risk drivers costing $3,528 or more. Teenage drivers pay the highest rates at $6,168 a year or more.

Average premium for full coverage: $1,634

Price estimates by individual coverage:

Rates are based on $500 physical damage insurance deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for different Charger trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on the price of insurance. Rural locations have a lower frequency of collision claims than densely populated cities.

The price range example below illustrates how rural and urban location affects auto insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes using their specific location and risk profile, instead of using average rates.

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

Additional Rate Information

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

• The best discount rate is $949
• Raising to $1,000 deductibles will save $208 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,634
• Using more expensive low deductibles will cost an extra $402 every year
• At-risk drivers who are prone to accidents and violations could pay around $3,528 or more
• The price for full coverage for a teen driver with full coverage can cost $6,168

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

An older driver with a clean driving record and high deductibles may pay as little as $1,500 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay in the ballpark of $6,100 a year. View Rates by Age

The state you live in also has a big influence on Dodge Charger insurance prices. A middle-age driver might find prices as low as $1,180 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,200 on average in New York, Michigan, and Florida.

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Using high physical damage deductibles can reduce prices by up to $610 every year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $468 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,900 to $2,700 extra each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 130% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to compare prices and see which company has the best price. Every auto insurance company uses a different method to calculate prices, so the prices may be quite different from one company to the next.

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 the Best Cheap Dodge Charger Insurance

Getting lower rates on car insurance consists of being a low-risk driver, maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around every year by obtaining price quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

The items below are a quick review of the coverage data raised in the charts and tables above.

• You may be able to save around $190 per year simply by shopping early and online
• Increasing physical damage deductibles can save around $600 each year
• Teen drivers are expensive to insure, costing up to $514 a month for full coverage
• Higher risk drivers with a DUI or reckless driving violation pay on average $1,890 more per year to insure their Charger