Dodge Charger Insurance Rates

Estimated insurance rates for a Dodge Charger are $1,614 a year for full coverage insurance. Comprehensive costs approximately $320 each year, collision costs $558, and liability costs around $536. Liability-only insurance costs as low as $606 a year, with high-risk driver insurance costing around $3,488. Teens 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 deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and Charger models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on the price of auto insurance. Rural locations are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on auto insurance prices.

These rate differences illustrate why all drivers should compare prices using their specific location and risk profile, instead of using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $940
• Using higher $1,000 deductibles will save $200 each year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,614
• Selecting low deductibles for physical damage coverage will increase the cost to $2,000
• Drivers with serious driving violations could pay around $3,488 or more
• An auto insurance policy for full coverage for a teen driver can cost $6,134 or more

View Chart as Image

Insurance prices for a Dodge Charger also have a wide range based on your driving characteristics, the model year and trim level, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high deductibles may pay as little as $1,500 a year, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay in the ballpark of $6,100 a year. View Rates by Age

Where you choose to live has a huge impact on Dodge Charger insurance prices. A driver around age 40 might see prices as low as $1,050 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $2,180 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $590 every year, whereas increasing liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will cost up to $483 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying anywhere from $1,900 to $2,600 additional annually, depending on your age. Insurance for high-risk drivers can be as much as 42% to 132% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the only way to figure out who has the best car insurance prices is to do a rate comparison and see which company has the best price. Each insurance company calculates prices differently, and prices will be substantially 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 Cheapest Dodge Charger Insurance

Finding better rates on car insurance requires not taking risks behind the wheel, having a good credit history, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to compare rates every year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a recap of the coverage data covered in the above illustrations.

• It is possible to save around $190 per year simply by quoting online in advance
• Increasing policy deductibles can save around $575 each year
• Teens are the costliest to insure, with premiums being up to $511 per month including comprehensive and collision insurance
• Higher risk drivers that have major violations or accidents may pay on average $1,870 more per year for Charger insurance