Dodge Charger Insurance Rates

Estimated insurance prices for a Dodge Charger are $1,614 every 12 months including full coverage. Comprehensive insurance costs on average $320, collision costs $558, and liability costs $536. A liability-only policy costs as little as $606 a year, with high-risk insurance costing $3,488 or more. Teens pay the most at $6,134 a year or more.

Average premium for full coverage: $1,614

Premium estimates by type of coverage:

These estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for all Charger models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

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

These rate differences highlight why everyone should compare rates based on a specific location and their own driving history, instead of using 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 different risk profiles and scenarios.

• The cheapest rate after discounts is $940
• Drivers who choose higher $1,000 deductibles will pay around $200 every year
• The average price for a 40-year-old good driver with $500 deductibles is $1,614
• Selecting pricier low deductibles for comprehensive and collision insurance costs an extra $386 every year
• Higher-risk drivers with serious driving violations could pay upwards of $3,488 or more
• An auto insurance policy to insure a teen driver for full coverage may cost $6,134 a year

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Auto insurance prices for a Dodge Charger also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your Charger.

Choosing higher comprehensive and collision insurance deductibles could save up to $590 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $483 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as little as $1,500 per year on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay upwards of $6,100 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,900 to $2,600 in extra premium annually, depending on your age. Dodge Charger insurance for high-risk drivers can cost as much as 42% to 132% more than the average policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Dodge Charger insurance prices. A 40-year-old driver could pay as low as $1,240 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,300 on average in Michigan, New York, and Louisiana.

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With such a large range in prices, the best way to figure out exactly what you will pay is to regularly compare prices and see which company has the best price. Every company calculates prices differently, and quoted prices will be substantially 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 Cheap Dodge Charger Insurance

Finding better rates on car insurance not only requires having a good driving record, but also having a good credit score, refrain from filing small claims, and taking advantage of discounts. Set aside time to compare rates at every other renewal by obtaining price quotes from direct car insurance companies, and also from your local independent and exclusive agents.

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

• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,870 more each year to buy Dodge Charger insurance
• Drivers age 20 and younger are charged the highest prices, with the cost nearing $511 per month if comprehensive and collision insurance is included
• You may be able to save as much as $190 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save as much as $575 each year
• You may be able to save as much as $190 per year simply by quoting online well ahead of the renewal date