Dodge Charger Insurance Rates

U.S. average auto insurance rates for a Dodge Charger are $1,614 annually including full coverage. Comprehensive costs an estimated $320 a year, collision costs $558, and liability is estimated at $536. Liability-only coverage costs approximately $606 a year, with high-risk coverage costing around $3,488. Teens pay the highest rates at $6,134 a year or more.

Average premium for full coverage: $1,614

Price estimates broken down by individual coverage:

These estimates include $500 deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Charger trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how your location can change insurance prices.

The ranges above highlight why it is important to get quotes for a targeted area and their own personal driving habits, instead of making a decision based on averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $940
• Choosing higher $1,000 deductibles can save approximately $1,414 every year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,614
• Selecting low $100 deductibles for comp and collision coverage will cost $2,000
• Higher-risk drivers with serious driving violations could pay up to $3,488 or more
• The price with full coverage for a 16-year-old driver can cost as much as $6,134 each year

View Chart as Image

Auto insurance prices for a Dodge Charger are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.

Older drivers with a good driving record and high physical damage deductibles may pay as low as $1,500 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay at least $6,100 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,900 to $2,600 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges from 42% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $590 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $483 extra every year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Dodge Charger insurance prices. A good driver about age 40 could pay as low as $1,240 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,300 on average in Louisiana, New York, and Michigan.

View Chart as Image

Since prices can be so different, the best way to figure out which car insurance is cheapest is to get quotes from multiple companies. Each auto insurer calculates prices differently, and quoted prices may be quite different between companies.

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 Buy Cheap Dodge Charger Insurance

Getting lower rates on insurance for a Dodge Charger takes not taking risks behind the wheel, having above-average credit, being claim-free, and qualifying for all possible discounts. Invest the time to shop around every couple of years by getting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following is a brief summary of the material that was illustrated above.

• Insureds who want higher liability limits will pay approximately $590 per year to raise limits from a low limit to higher 250/500 limits
• Teens are the costliest to insure, possibly costing $511 a month if full coverage is included
• Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,870 more annually for Charger insurance
• Increasing physical damage deductibles could save up to $575 each year