Dodge Charger Insurance Rates

The average insurance rates for a Dodge Charger are $1,634 a year with full coverage. Comprehensive costs an estimated $332, collision insurance costs $582, and liability coverage costs $520. Liability-only coverage costs as little as $592 a year, and high-risk coverage costs around $3,528. Teenage drivers cost the most to insure at up to $6,168 a year.

Average premium for full coverage: $1,634

Policy rates broken down by type of insurance:

Includes $500 deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. 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. More rural locations are shown to have lower incidents of collision claims than densely populated cities. The price range example below illustrates how your location can change insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare rates for a targeted area, rather than using average rates.

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

Additional Rate Details

The chart below details average Dodge Charger insurance rates for other coverage scenarios.

• The best discount rate is $949
• Drivers who choose higher $1,000 deductibles will pay approximately $208 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $1,634
• Using more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $2,036
• High-risk insureds who are prone to accidents and violations could pay up to $3,528
• Policy cost that insures a teenage driver with full coverage can cost as much as $6,168 a year

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Insurance rates for a Dodge Charger also range considerably based on the model year and trim level, your age and driving habits, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you may be forking out $1,900 to $2,700 additional every year, depending on your age. High-risk driver insurance can cost around 44% to 130% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision 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 teens with perfect driving records should be prepared to pay at least $6,100 a year. View Rates by Age

Your home state makes a big difference in Dodge Charger insurance rates. A 40-year-old driver could pay as low as $1,180 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,200 on average in New York, Michigan, and Florida.

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Using high physical damage deductibles could save up to $610 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 more each year. 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 cheaper rates on auto insurance not only requires not taking risks behind the wheel, but also having a good credit score, not filing small claims, and possibly raising deductibles. Compare prices every year by obtaining price quotes from direct companies, and also from insurance agencies where you live.

The following is a recap of the coverage data illustrated above.

• You may be able to save approximately $190 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• Teens are expensive to insure, as much as $514 each month if comprehensive and collision insurance is included
• Drivers that have major violations or accidents could be forced to pay on average $1,890 more annually for Charger insurance