Dodge Charger Insurance Rates

U.S. average insurance prices for a Dodge Charger are $1,634 every 12 months for full coverage insurance. Comprehensive insurance costs on average $332 each year, collision costs $582, and liability insurance costs $520. Buying just liability costs as little as $592 a year, with insurance for high-risk drivers costing $3,528 or more. Teenage drivers pay the highest rates at $6,168 a year or more.

Average premium for full coverage: $1,634

Price estimates by individual coverage:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and Charger models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on insurance rates. Rural areas have more infrequent physical damage claims than densely populated cities.

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

The ranges above illustrate why all drivers should compare rates based on a specific location and their own driving history, rather than relying on average rates.

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

Additional Charts and Tables

The chart below illustrates estimated Dodge Charger insurance rates for different risk profiles and scenarios.

• The best discount rate is $949
• Drivers who choose higher $1,000 deductibles will pay around $208 each year
• The average price for the average middle-age driver with $500 deductibles is $1,634
• Using low deductibles for comprehensive and collision insurance costs an extra $402 a year
• High risk drivers who are prone to accidents and violations could pay upwards of $3,528 or more
• The price to insure a teen driver may cost $6,168 a year

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Insurance prices for a Dodge Charger are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your Charger.

Using high physical damage deductibles could save up to $610 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $468 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,500 per year on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay upwards of $6,100 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,900 to $2,700 additional each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates

The state you live in makes a big difference in Dodge Charger insurance rates. A 40-year-old driver could pay as low as $1,070 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,200 on average in Michigan, New York, and Florida.

View Chart as Image

Since prices can be so different, the only way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate prices, and 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 Shop for More Affordable Dodge Charger Insurance

Getting lower rates on Dodge Charger insurance not only requires avoiding accidents and violations, but also having above-average credit, not filing small claims, and insuring your home and auto with the same company. Set aside time to compare rates at every other renewal by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

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

• High-risk drivers who have multiple accidents or major violations pay on average $1,890 more each year for car insurance
• Teenagers pay higher prices, as much as $514 a month if full coverage is included
• It is possible to save as much as $190 per year simply by quoting online in advance
• Increasing physical damage deductibles could save as much as $600 each year
• It is possible to save as much as $190 per year simply by quoting online in advance