Dodge Charger Insurance Rates

Average insurance prices for a Dodge Charger are $1,634 every 12 months with full coverage. Comprehensive insurance costs approximately $332, collision costs $582, and liability insurance costs $520. A policy with just liability insurance costs as little as $592 a year, with coverage for high-risk drivers costing $3,528 or more. Teenage drivers receive the highest rates at $6,168 a year or more.

Average premium for full coverage: $1,634

Rate estimates by individual coverage type:

Includes $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for different Charger trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on the price of insurance. Rural locations tend to have more infrequent collision claims than densely populated cities.

The price range example below illustrates how geographic area affects auto insurance prices.

These examples demonstrate why anyone shopping for car insurance should compare rates using their specific location and their own driving history, rather than relying on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $949
• Drivers who choose higher $1,000 deductibles will pay $208 annually
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,634
• Using more expensive low deductibles for comprehensive and collision insurance costs an extra $402 a year
• High risk drivers who are prone to accidents and violations could pay around $3,528 or more
• The cost to insure a teen driver with full coverage can cost $6,168 a year

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Insurance rates for a Dodge Charger can also vary considerably based on policy deductibles and limits, your driving record, and the model of your Charger.

Using high physical damage deductibles could save up to $610 each year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $468 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $1,500 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $6,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out anywhere from $1,900 to $2,700 additional per year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates

Where you live makes a big difference in Dodge Charger insurance rates. A 40-year-old driver could pay 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.

View Chart as Image

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to compare rates from as many companies as possible. Every company uses a different method to calculate rates, and rates can be significantly 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 Shop for the Cheapest Dodge Charger Insurance

Saving money on Dodge Charger insurance not only requires being safe and accident-free, but also having above-average credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest the time to compare rates once a year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below you'll find a recap of the data that was presented in the illustrations above.

• You may be able to save around $190 per year simply by shopping early and online
• Drivers who purchase more liability protection will pay an extra $570 every year to go from a minimum limit to a 250/500 level
• Youthful drivers are the costliest to insure, with premiums as much as $514 per month if full coverage is included
• High-risk drivers that have major violations or accidents could be forced to pay on average $1,890 more per year than a low-risk driver