Dodge Charger Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 8, 2024
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The average insurance rates for a Dodge Charger are $1,614 a year including full coverage. Comprehensive insurance costs around $320 a year, collision insurance costs $558, and liability insurance costs $536. Liability-only insurance costs as little as $606 a year, and high-risk driver insurance costs $3,488 or more. 16-year-old drivers cost the most to insure at up to $6,134 a year.
Average premium for full coverage: $1,614
Policy rates for type of insurance:
Rates are based on $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Charger trim levels.
Price Range Variability
For the average 40-year-old driver, Dodge Charger insurance rates range from the low end price of $606 for just liability insurance to a high of $3,488 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Your location has a significant impact on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than congested cities. The diagram below illustrates the difference location can make on auto insurance rates.
The examples above highlight why it is important to compare rates for a specific zip code, rather than relying on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below breaks down average Dodge Charger insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $940
- Drivers who choose higher $1,000 deductibles will pay about $1,414 every year
- The estimated price for a good driver age 40 using $500 deductibles is $1,614
- Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $386 a year
- High risk drivers with multiple tickets or accidents could pay at least $3,488
- Policy cost that insures a teen driver can be $6,134 a year
Auto insurance rates for a Dodge Charger also range considerably based on the trim level of your Charger, your driving record and age, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,900 to $2,600 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 132% more than the average rate. View High Risk Driver Rates
Older drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,500 per year on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay as much as $6,100 a year. View Rates by Age
Your home state makes a big difference in Dodge Charger insurance rates. A 40-year-old driver could pay as low as $1,240 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,300 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,458 | -$156 | -9.7% |
| Alaska | $1,238 | -$376 | -23.3% |
| Arizona | $1,338 | -$276 | -17.1% |
| Arkansas | $1,614 | -$0 | 0.0% |
| California | $1,840 | $226 | 14.0% |
| Colorado | $1,540 | -$74 | -4.6% |
| Connecticut | $1,658 | $44 | 2.7% |
| Delaware | $1,828 | $214 | 13.3% |
| Florida | $2,016 | $402 | 24.9% |
| Georgia | $1,488 | -$126 | -7.8% |
| Hawaii | $1,158 | -$456 | -28.3% |
| Idaho | $1,096 | -$518 | -32.1% |
| Illinois | $1,204 | -$410 | -25.4% |
| Indiana | $1,216 | -$398 | -24.7% |
| Iowa | $1,090 | -$524 | -32.5% |
| Kansas | $1,532 | -$82 | -5.1% |
| Kentucky | $2,200 | $586 | 36.3% |
| Louisiana | $2,390 | $776 | 48.1% |
| Maine | $998 | -$616 | -38.2% |
| Maryland | $1,330 | -$284 | -17.6% |
| Massachusetts | $1,288 | -$326 | -20.2% |
| Michigan | $2,802 | $1,188 | 73.6% |
| Minnesota | $1,350 | -$264 | -16.4% |
| Mississippi | $1,932 | $318 | 19.7% |
| Missouri | $1,430 | -$184 | -11.4% |
| Montana | $1,732 | $118 | 7.3% |
| Nebraska | $1,270 | -$344 | -21.3% |
| Nevada | $1,934 | $320 | 19.8% |
| New Hampshire | $1,162 | -$452 | -28.0% |
| New Jersey | $1,802 | $188 | 11.6% |
| New Mexico | $1,430 | -$184 | -11.4% |
| New York | $1,696 | $82 | 5.1% |
| North Carolina | $926 | -$688 | -42.6% |
| North Dakota | $1,322 | -$292 | -18.1% |
| Ohio | $1,114 | -$500 | -31.0% |
| Oklahoma | $1,656 | $42 | 2.6% |
| Oregon | $1,478 | -$136 | -8.4% |
| Pennsylvania | $1,540 | -$74 | -4.6% |
| Rhode Island | $2,154 | $540 | 33.5% |
| South Carolina | $1,460 | -$154 | -9.5% |
| South Dakota | $1,360 | -$254 | -15.7% |
| Tennessee | $1,412 | -$202 | -12.5% |
| Texas | $1,944 | $330 | 20.4% |
| Utah | $1,196 | -$418 | -25.9% |
| Vermont | $1,102 | -$512 | -31.7% |
| Virginia | $966 | -$648 | -40.1% |
| Washington | $1,246 | -$368 | -22.8% |
| West Virginia | $1,480 | -$134 | -8.3% |
| Wisconsin | $1,118 | -$496 | -30.7% |
| Wyoming | $1,438 | -$176 | -10.9% |
Opting for high physical damage deductibles could save up to $590 each year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $483 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Dodge Charger 3.5 | $1,576 | $131 |
| Dodge Charger | $1,576 | $131 |
| Dodge Charger 3.5 AWD | $1,614 | $135 |
| Dodge Charger AWD | $1,614 | $135 |
| Dodge Charger Rallye | $1,614 | $135 |
| Dodge Charger SXT | $1,614 | $135 |
| Dodge Charger SXT AWD | $1,614 | $135 |
| Dodge Charger R/T | $1,654 | $138 |
| Dodge Charger Rallye AWD | $1,654 | $138 |
| Dodge Charger R/T AWD | $1,692 | $141 |
| Dodge Charger SRT-8 | $1,732 | $144 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2023 Dodge Charger | $332 | $582 | $520 | $1,634 |
| 2022 Dodge Charger | $320 | $558 | $536 | $1,614 |
| 2021 Dodge Charger | $304 | $538 | $554 | $1,596 |
| 2020 Dodge Charger | $292 | $500 | $564 | $1,556 |
| 2019 Dodge Charger | $280 | $470 | $570 | $1,520 |
| 2018 Dodge Charger | $268 | $422 | $574 | $1,464 |
| 2017 Dodge Charger | $250 | $388 | $574 | $1,412 |
| 2016 Dodge Charger | $242 | $364 | $580 | $1,386 |
| 2015 Dodge Charger | $236 | $340 | $592 | $1,368 |
| 2014 Dodge Charger | $218 | $316 | $592 | $1,326 |
| 2013 Dodge Charger | $212 | $286 | $596 | $1,294 |
| 2012 Dodge Charger | $198 | $262 | $592 | $1,252 |
| 2011 Dodge Charger | $186 | $238 | $592 | $1,216 |
| 2010 Dodge Charger | $180 | $214 | $586 | $1,180 |
| 2009 Dodge Charger | $178 | $208 | $574 | $1,160 |
| 2008 Dodge Charger | $176 | $198 | $564 | $1,138 |
| 2007 Dodge Charger | $160 | $190 | $558 | $1,108 |
| 2006 Dodge Charger | $154 | $180 | $554 | $1,088 |
Rates are averaged for all Dodge Charger models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Cheap Dodge Charger Insurance
Finding cheaper rates on Dodge Charger insurance not only requires being a good driver, but also maintaining a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Comparison shop once a year by requesting rates from direct car insurance companies, and also from local insurance agencies.
The following list is a quick review of the data that was touched on in this article.
- You may be able to save up to $190 per year just by quoting early and online
- Drivers who may need an increased level of liability coverage will pay around $590 per year to go from a 30/60 limit to the 250/500 level
- Drivers age 16 to 20 are expensive to insure, with premiums being up to $511 each month if the policy includes full coverage
- High-risk drivers with a DUI or reckless driving violation may have to pay on average $1,870 more every year than a safer driver
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $6,134 |
| 20 | $3,718 |
| 30 | $1,670 |
| 40 | $1,614 |
| 50 | $1,474 |
| 60 | $1,444 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,000 |
| $250 | $1,822 |
| $500 | $1,614 |
| $1,000 | $1,414 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,614 |
| 50/100 | $1,839 |
| 100/300 | $1,973 |
| 250/500 | $2,322 |
| 100 CSL | $1,893 |
| 300 CSL | $2,188 |
| 500 CSL | $2,402 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,730 |
| 20 | $5,918 |
| 30 | $3,554 |
| 40 | $3,488 |
| 50 | $3,332 |
| 60 | $3,298 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $85 |
| Multi-vehicle | $85 |
| Homeowner | $25 |
| 5-yr Accident Free | $114 |
| 5-yr Claim Free | $104 |
| Paid in Full/EFT | $70 |
| Advance Quote | $78 |
| Online Quote | $113 |
| Total Discounts | $674 |
Discounts are estimated and may not be available from every company or in every state.
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