Dodge Charger Insurance Rates

Estimated insurance rates for a Dodge Charger are $1,614 a year for full coverage. Comprehensive costs on average $320 a year, collision costs $558, and liability is $536. A liability-only policy costs around $606 a year, with high-risk insurance costing around $3,488. Teen drivers pay the most at $6,134 a year or more.

Average premium for full coverage: $1,614

Premium estimates by type of coverage:

Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and Charger trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than larger metro areas.

The diagram below illustrates how location impacts car insurance rates.

These rate differences show why it is important to compare rates quotes based on a specific location, instead of using price averages.

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

Additional Charts and Tables

The chart below shows estimated Dodge Charger insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $940
• Raising to $1,000 deductibles will save around $1,414 a year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,614
• Choosing low $100 deductibles bumps up the cost to $2,000
• At-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,488 or more
• An auto insurance policy that insures a teen driver may cost $6,134

View Chart as Image

Auto insurance prices for a Dodge Charger also have a wide range based on the trim level of your Charger, how you drive, and policy deductibles and limits.

If you have a few violations or you caused an accident, you could be paying at a minimum $1,900 to $2,600 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 42% to 132% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay upwards of $6,100 a year. View Rates by Age

Where you choose to live also has a big influence on Dodge Charger insurance prices. A middle-age driver might find prices as low as $1,070 a year in states like Idaho, Maine, and Iowa, or as much as $2,300 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can reduce prices by up to $590 every year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $483 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know exactly what you will pay is to get quotes and see which company has the best price. Every auto insurance company uses a different rate calculation, and quoted prices will be substantially 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 the Cheapest Dodge Charger Insurance

Finding better rates on car insurance consists of avoiding accidents and claims, maintaining a good credit score, not filing small claims, and taking advantage of discounts. Shop around at every other renewal by quoting rates from direct carriers, and also from local exclusive and independent agents.

The points below are a recap of the concepts that were touched on above.

• Higher risk drivers that have major violations or accidents may pay on average $1,870 more each year to insure a Dodge Charger
• Drivers under the age of 20 are charged the highest prices, as much as $511 per month if the policy includes full coverage
• Drivers can save as much as $190 per year simply by quoting early and online
• Increasing policy deductibles can save approximately $575 each year
• Drivers can save as much as $190 per year simply by quoting early and online