Dodge Charger Insurance Rates

U.S. average insurance rates for a Dodge Charger are $1,614 a year for full coverage. Comprehensive costs an estimated $320, collision costs $558, and liability coverage costs around $536. Liability-only insurance costs as low as $606 a year, with high-risk driver insurance costing around $3,488. 16-year-old drivers 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:

Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for all Charger models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on insurance rates. More rural locations have a lower frequency of accident claims than congested cities.

The example below illustrates how location impacts insurance prices.

The ranges above show why everyone should compare prices for a targeted area and risk profile, rather than using rate averages.

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

More Rate Information

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

• The best full coverage rate is $940
• Using higher $1,000 deductibles will save approximately $200 a year
• The average rate for the average middle-age driver who has $500 deductibles is $1,614
• Buying pricier low deductibles for physical damage coverage will increase the cost to $2,000
• Higher-risk drivers with multiple tickets or accidents could pay up to $3,488 or more
• The price for full coverage for a teenage driver for full coverage can cost as much as $6,134 or more

View Chart as Image

Car insurance prices for a Dodge Charger are also quite variable based on your driving record, the trim level of your Charger, and liability limits and deductibles.

A more mature driver with no driving violations and high deductibles may only pay around $1,500 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will be charged at least $6,100 a year. View Rates by Age

The state you live in has a huge impact on Dodge Charger insurance rates. A driver around age 40 might see prices as low as $1,070 a year in states like Iowa, Maine, and Idaho, or at least $2,300 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $590 a year, whereas buying more liability protection will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $483 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying $1,900 to $2,600 extra each year, depending on your age. Dodge Charger insurance for high-risk drivers can be around 42% to 132% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the only way to know which car insurance is cheapest is to regularly compare prices and see how they stack up. Each insurance company utilizes a different rate formula, so rate quotes may be quite different 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 Best Cheap Dodge Charger Insurance

Getting lower rates on auto insurance requires being safe and accident-free, having above-average credit, eliminating unnecessary coverage, and not having any coverage lapses. Spend time shopping around at every other renewal by getting rate quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

Below you'll find a quick review of the concepts that were touched on above.

• Drivers with a DUI or reckless driving violation pay an average of $1,870 more annually than a low-risk driver
• Youthful drivers have the highest car insurance prices, with premiums as much as $511 a month if full coverage is included
• Drivers can save approximately $190 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $575 each year
• Drivers can save approximately $190 per year simply by quoting online well ahead of the renewal date