Dodge Charger Insurance Rates

The average insurance rates for a Dodge Charger are $1,614 a year for full coverage. Comprehensive insurance costs around $320, collision costs $558, and liability insurance costs $536. Buying just liability costs as little as $606 a year, with insurance for high-risk drivers costing $3,488 or more. Teens cost the most to insure at $6,134 a year or more.

Average premium for full coverage: $1,614

Policy rates for type of insurance:

Includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and for all Charger models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than cities with more traffic congestion.

The example below illustrates how location helps determine auto insurance rates.

The examples above show why everyone should compare rates for a specific zip code and risk profile, rather than relying on averaged prices.

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 additional coverage choices and driver risks.

• The cheapest rate after discounts is $940
• Drivers who choose higher $1,000 deductibles will pay about $200 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,614
• Selecting pricier low deductibles for comprehensive and collision insurance will cost an extra $386 a year
• High risk drivers with serious driving violations could pay at least $3,488 or more
• Policy cost for full coverage for a teen driver for full coverage can be $6,134 a year

View Chart as Image

Insurance rates for a Dodge Charger also range considerably based on your risk profile, the trim level of your Charger, and deductibles and policy limits.

A more mature driver with a clean driving record and high deductibles could pay as little as $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect 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 $1,070 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,300 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $590 each year, whereas buying more liability protection will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $483 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,900 to $2,600 extra every year, depending on your age. Dodge Charger insurance for high-risk drivers can cost anywhere from 42% to 132% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know your exact price is to regularly compare rates from as many companies as possible. Every company calculates rates differently, so the rates will be varied 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 cheaper rates on Dodge Charger insurance not only requires having a decent driving record, but also maintaining good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest time comparing rates at least every other year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following items are a recap of the car insurance concepts covered in the charts and tables above.

• High-risk drivers that have major violations or accidents may be required to pay an average of $1,870 more every year than a driver with a clean driving record
• Drivers can save up to $190 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $575 each year
• Drivers who may need additional liability coverage will pay approximately $590 each year to go from a 30/60 limit to 250/500 limits