Dodge Charger Insurance Rates

Estimated insurance rates for a Dodge Charger are $1,614 a year with full coverage. Comprehensive costs approximately $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 around $3,488. Teenage drivers pay the most at $6,134 a year or more.

Average premium for full coverage: $1,614

Premium estimates by type of coverage:

Estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. states and Charger models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than densely populated cities.

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

These rate differences demonstrate why all drivers should compare prices using their specific location, rather than using average rates.

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

More Rate Details

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

• The best discount rate is $940
• Using higher $1,000 deductibles will save $200 annually
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,614
• Using low deductibles for physical damage coverage bumps up the cost to $2,000
• Higher-risk drivers who are prone to accidents and violations could pay around $3,488 or more
• An auto insurance policy that insures a teenage driver can cost $6,134 or more

View Chart as Image

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

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,900 to $2,600 extra annually, 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

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,500 a year, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect 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 rates. A driver around age 40 might see prices as low as $1,160 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,180 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $590 a year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $483 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate prices, so the prices will be substantially 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 Find Low Cost Dodge Charger Insurance

Finding better rates on auto insurance requires having a decent driving record, having above-average credit, being claim-free, and maximizing policy discounts. Compare prices every year by getting quotes from direct companies, and also from local insurance agencies.

The following items are a review of the coverage data touched on in this article.

• You may be able to save around $190 per year simply by quoting online in advance
• Increasing policy deductibles can save approximately $575 each year
• 16 to 18-year-old drivers are expensive to insure, possibly costing $511 per month if full coverage is included
• Drivers who have several accidents or serious violations may have to pay on average $1,870 more per year than a driver with a clean driving record