Dodge Charger Insurance Rates

Average insurance prices for a Dodge Charger are $1,614 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $320 each year, collision costs $558, and liability coverage costs around $536. Liability-only coverage costs as low as $606 a year, with high-risk coverage costing $3,488 or more. Teenage 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:

Prices include $500 deductible amounts, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and Charger models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of insurance. More rural locations tend to have more infrequent physical damage claims than densely populated cities.

The graphic below illustrates the difference location can make on insurance prices.

These examples illustrate why all drivers should compare prices for a targeted area and their own driving history, rather than using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $940
• Using higher $1,000 deductibles will save approximately $200 each year
• The average price for a 40-year-old driver who has $500 deductibles is $1,614
• Using low deductibles for physical damage coverage costs an extra $386 each year
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,488 or more
• The cost to insure a teenage driver can cost as much as $6,134 or more

View Chart as Image

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

Using high physical damage deductibles could cut rates by as much as $590 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $483 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles may only pay around $1,500 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged at least $6,100 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying $1,900 to $2,600 extra per year, depending on your age. Insurance for high-risk drivers can be around 42% to 132% more than a normal policy. 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 $1,050 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,180 on average in Florida, New York, and Michigan.

View Chart as Image

With so much variability in rates, the only way to figure out which company is cheapest is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate rates, so rate quotes 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 Right Dodge Charger Insurance

Saving money on auto insurance requires having a good driving record, maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Make time to compare rates at least once a year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The next list is a quick rundown of the primary concepts that were touched on in this article.

• It is possible to save approximately $190 per year simply by quoting online in advance
• Drivers with reckless driving or DUI convictions could be forced to pay on average $1,870 more annually to buy Dodge Charger insurance
• Increasing deductibles could save as much as $575 each year
• Drivers age 20 and younger have the highest car insurance rates, costing up to $511 per month if the policy includes full coverage