Dodge Charger Insurance Rates

U.S. average insurance rates for a Dodge Charger are $1,634 a year including full coverage. Comprehensive insurance costs around $332 each year, collision costs $582, and liability costs around $520. A policy with just liability insurance costs as low as $592 a year, with coverage for high-risk drivers costing $3,528 or more. 16-year-old drivers pay the highest rates at $6,168 a year or more.

Average premium for full coverage: $1,634

Price estimates for individual coverage:

Estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Charger models.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than congested cities.

The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

The ranges above highlight why all drivers should compare prices for a specific zip code, instead of making a decision based on rate averages.

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

Additional Rate Analysis

The chart below breaks down estimated Dodge Charger insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $949
• Using higher $1,000 deductibles will save about $208 every year
• The estimated price for the average middle-age driver using $500 deductibles is $1,634
• Buying low deductibles for physical damage coverage will cost an additional $402 annually
• High-risk insureds with multiple tickets or accidents could pay at least $3,528 or more
• The price that insures a 16-year-old driver can be $6,168 or more

View Chart as Image

Insurance prices for a Dodge Charger are also quite variable based on the trim level and model year, your driving record and age, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are likely paying at least $1,900 to $2,700 extra each year, depending on your age. Insurance for high-risk drivers can be from 44% to 130% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,500 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay as much as $6,100 a year. View Rates by Age

The state you live in has a huge impact on Dodge Charger insurance prices. A driver around age 40 might see prices as low as $1,250 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,330 on average in Michigan, New York, and Louisiana.

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Opting for high physical damage deductibles could cut prices by as much as $610 annually, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $468 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out your exact price is to do a rate comparison from multiple companies. Each insurance company utilizes a different rate formula, so the prices may be quite 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

Getting lower rates on insurance for a Dodge Charger requires avoiding accidents and violations, having above-average credit, being claim-free, and insuring your home and auto with the same company. Comparison shop at least once a year by quoting rates from direct car insurance companies, and also from local insurance agencies.

The list below is a review of the primary concepts that were covered above.

• You may be able to save up to $190 per year simply by quoting online in advance
• Drivers considered higher risk who have several accidents or serious violations may have to pay on average $1,890 more every year for car insurance
• Increasing physical damage deductibles can save approximately $600 each year
• Teenagers pay higher prices, possibly costing $514 a month if full coverage is included