Dodge Charger Insurance Rates

The average insurance prices for a Dodge Charger are $1,634 every 12 months for full coverage insurance. Comprehensive insurance costs around $332, collision costs $582, and liability coverage costs $520. Liability-only insurance costs as little as $592 a year, with high-risk driver insurance costing $3,528 or more. Teens cost the most to insure at $6,168 a year or more.

Average premium for full coverage: $1,634

Policy rates for type of insurance:

Includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for different Charger trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than cities with more traffic congestion.

The price range example below illustrates how geographic area affects auto insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare rates for a specific zip code and their own driving history, rather than using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $949
• Drivers who choose higher $1,000 deductibles will pay about $208 each year
• The average price for a good driver age 40 using $500 deductibles is $1,634
• Selecting more expensive low deductibles for comprehensive and collision insurance costs an extra $402 each year
• High-risk insureds with serious driving violations could pay at least $3,528 or more
• Policy cost to insure a teenage driver with full coverage can be $6,168 a year

View Chart as Image

Auto insurance rates for a Dodge Charger also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could save up to $610 a year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $468 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may only pay around $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay as much as $6,100 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,900 to $2,700 in extra premium every year, depending on your age. High-risk driver insurance can cost around 44% to 130% more than the average policy. View High Risk Driver Rates

Your home state 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 have to pay at least $2,200 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out your exact price is to compare rates and see how they stack up. Every company calculates rates differently, and quoted rates will be varied.

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 the Cheapest Dodge Charger Insurance

Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also having a good credit score, being claim-free, and maximizing policy discounts. Invest the time to compare rates at every other renewal by obtaining price quotes from direct insurance companies, and also from your local independent and exclusive agents.

The items below are a recap of the concepts that were presented in the illustrations above.

• Drivers that have major violations or accidents may pay on average $1,890 more every year to insure their Charger
• Teen drivers are expensive to insure, possibly costing $514 each month if comprehensive and collision insurance is included
• It is possible to save up to $190 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $600 each year
• It is possible to save up to $190 per year simply by shopping early and online