Dodge Charger Insurance Rates

The average insurance rates for a Dodge Charger are $1,614 a year including full coverage. Comprehensive costs on average $320 each year, 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 around $3,488. Teens cost the most to insure at $6,134 a year or more.

Average premium for full coverage: $1,614

Policy rates by type of insurance:

Rate estimates include $500 deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Charger models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates how location impacts car insurance rates.

The examples above highlight why all drivers should compare rates based on a specific location, rather than relying on averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $940
• Drivers who choose higher $1,000 deductibles will pay around $200 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,614
• Selecting low deductibles for comprehensive and collision insurance bumps up the cost to $2,000
• High risk drivers with serious driving violations could pay upwards of $3,488 or more
• Policy cost that insures a teen driver may cost $6,134 a year

View Chart as Image

Insurance rates for a Dodge Charger also range considerably based on the trim level and model year, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,900 to $2,600 extra every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 42% to 132% more than the average policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision 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, since even teens with perfect driving records can expect to pay upwards of $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 $1,240 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,300 on average in Michigan, New York, and Louisiana.

View Chart as Image

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

Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Every company calculates rates differently, so the rates will be varied.

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 Best Dodge Charger Insurance

Finding cheaper rates on Dodge Charger insurance not only requires not taking risks behind the wheel, but also having above-average credit, paying for small claims out-of-pocket, and bundling your home and auto policies. Compare rates at every policy renewal by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

The following is a brief recap of the data touched on above.

• Drivers who require higher liability limits will pay approximately $590 per year to go from a 30/60 limit to the 250/500 level
• You may be able to save as much as $190 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $575 each year
• Teens pay the highest rates, with premiums being up to $511 each month if full coverage is included