Dodge Charger Insurance Rates

Average insurance prices for a Dodge Charger are $1,614 every 12 months for full coverage. Comprehensive costs an estimated $320, collision costs $558, and liability insurance costs around $536. A policy with just liability insurance costs as low as $606 a year, with coverage for high-risk drivers costing around $3,488. 16-year-old drivers receive the highest rates at $6,134 a year or more.

Average premium for full coverage: $1,614

Rate estimates broken down by individual coverage type:

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and for different Charger trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on insurance rates. More rural locations tend to have more infrequent accident claims than congested cities.

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

These examples show why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, rather than relying on rate averages.

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

Rate Comparisons

The chart below shows estimated Dodge Charger insurance rates for other coverage scenarios.

• The best full coverage rate is $940
• Using higher $1,000 deductibles will save approximately $200 a year
• The average price for a 40-year-old driver who has $500 deductibles is $1,614
• Buying more expensive low deductibles for physical damage coverage increases the price to $2,000
• Drivers with multiple tickets or accidents could pay up to $3,488 or more
• The cost to insure a teen driver with full coverage can cost as much as $6,134 or more

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Insurance rates for a Dodge Charger can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.

Opting for high physical damage deductibles could cut rates by as much as $590 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $483 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 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay at least $6,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying $1,900 to $2,600 additional per year, depending on your age. High-risk driver insurance can be anywhere from 42% to 132% more than the average rate. View High Risk Driver Rates

Where you live has a huge impact on Dodge Charger insurance rates. A driver around age 40 might see rates as low as $1,070 a year in states like Iowa, Maine, and Idaho, or at least $2,300 on average in New York, Louisiana, and Michigan.

View Chart as Image

With so much variability in rates, the only way to know which company is cheapest is to compare rates from as many companies as possible. Each insurance company utilizes a different rate formula, 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 Cheaper Dodge Charger Insurance

Saving money on Dodge Charger insurance requires being a good driver, having above-average credit, eliminating unneeded coverage, and maximizing policy discounts. Set aside time to shop around every time your policy renews by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a condensed summary of the information raised in the charts and tables above.

• Drivers can save approximately $190 per year simply by shopping early and online
• Drivers age 16 to 20 are expensive to insure, costing as high as $511 per month if full coverage is included
• Increasing deductibles could save as much as $575 each year
• High-risk drivers with multiple at-fault accidents pay on average $1,870 more annually than a safer driver
• Drivers who want an increased level of liability coverage will pay around $590 each year to increase from a minimum limit to a 250/500 level