Dodge Charger Insurance Rates

Estimated insurance rates for a Dodge Charger are $1,614 a year for full coverage insurance. Comprehensive costs an estimated $320, collision insurance costs $558, and liability costs around $536. A policy with only liability insurance costs as low as $606 a year, and a high-risk policy costs around $3,488. Teenage drivers pay the most at up to $6,134 a year.

Average premium for full coverage: $1,614

Premium estimates broken down by type of coverage:

Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for all Charger models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than densely populated cities. The example below illustrates how geographic area affects insurance prices.

These rate differences illustrate why everyone should compare prices for a targeted area, instead of using average rates.

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

Additional Rate Analysis

The chart below illustrates average 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 estimated price for a 40-year-old good driver who has $500 deductibles is $1,614
• Using pricier low deductibles for physical damage coverage bumps up the cost to $2,000
• Drivers who are prone to accidents and violations could pay up to $3,488
• An auto insurance policy that insures a teen driver for full coverage can cost as much as $6,134 or more

View Chart as Image

Car insurance prices for a Dodge Charger also have a wide range based on the model of your Charger, your age and driving record, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $1,900 to $2,600 extra annually, depending on your age. Dodge Charger insurance for high-risk drivers can be as much as 42% to 132% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $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 will be charged at least $6,100 a year. View Rates by Age

Where you choose to live has a huge impact on Dodge Charger insurance prices. A driver around age 40 might see prices 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

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

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 Cheapest Dodge Charger Insurance

Finding better rates on car insurance requires being safe and accident-free, having a positive credit history, paying for small claims out-of-pocket, and possibly higher deductibles. Compare prices at every other renewal by getting rate quotes from direct insurance companies, and also from local insurance agencies.

Below you'll find a recap of the concepts that were presented in the illustrations above.

• Higher risk drivers that have major violations or accidents may have to pay on average $1,870 more annually than a low-risk driver
• Youthful drivers have the highest car insurance prices, with premiums being up to $511 per month if full coverage is purchased
• It is possible to save approximately $190 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles can save approximately $575 each year
• It is possible to save approximately $190 per year just by quoting online well ahead of the renewal date