Dodge Charger Insurance Rates

The average auto insurance rates for a Dodge Charger are $1,634 annually for full coverage insurance. Comprehensive costs around $332, collision insurance costs $582, and liability costs $520. Liability-only insurance costs as little as $592 a year, and high-risk driver insurance 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 for type of insurance:

Includes $500 deductibles, liability limits of 30/60, and includes additional medical/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 can make a big difference on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than densely populated cities. The price range example below illustrates how rural and urban location 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 personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $949
• Drivers who choose higher $1,000 deductibles will pay about $208 each year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,634
• Using more expensive low deductibles for comprehensive and collision insurance will cost $2,036
• Drivers who are prone to accidents and violations could pay at least $3,528
• Policy cost with full coverage for a 16-year-old 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 the model year and trim level, your risk profile, and deductibles and policy limits.

An older driver with a good driving record and high physical damage deductibles may pay as low as $1,500 per year on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they 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 caused a few accidents, 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 from 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $610 annually, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $468 extra every year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Dodge Charger insurance prices. 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

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 Buy the Cheapest Dodge Charger Insurance

Finding cheaper rates on insurance for a Dodge Charger not only requires not taking risks behind the wheel, but also having above-average credit, being claim-free, and possibly raising deductibles. Set aside time to shop around once a year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a recap of the data that was raised in the charts and tables above.

• It is possible to save up to $190 per year just by shopping early and online
• Insureds who may need higher liability limits will pay an extra $570 annually to go from a 30/60 limit to higher 250/500 limits
• Teens are expensive to insure, possibly costing $514 each month if full coverage is included
• Drivers considered higher risk that have major violations or accidents pay on average $1,890 more every year for Charger insurance