Dodge Charger Insurance Rates

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UPDATED: Jun 8, 2024

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Average insurance rates for a Dodge Charger are $1,634 a year with full coverage. Comprehensive costs on average $332, collision costs $582, and liability coverage is $520. A liability-only policy costs around $592 a year, with high-risk insurance costing around $3,528. Teens receive the highest rates at $6,168 a year or more.

Average premium for full coverage: $1,634

Rate estimates by individual coverage type:

Comprehensive $332
Collision $582
Liability $520

Estimates include $500 deductible amounts, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for all Charger models.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range go from as low as $592 for liability-only coverage to the much higher price of $3,528 for coverage for higher-risk drivers.

Liability Only $592
Full Coverage $1,634
High Risk $3,528

Price Range by Location

Choosing to live in a large city has a large influence on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than cities with more traffic congestion.

The example below illustrates how where you live affects car insurance rates.

Rural Areas $1,226
Small Cities $1,716
Large Cities $2,206

These examples demonstrate why everyone should compare rates quotes based on a specific location and risk profile, rather than using averaged prices.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Charts and Tables

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

  • The cheapest rate after discounts is $949
  • Raising to $1,000 deductibles will save around $208 annually
  • The average rate for a 40-year-old driver with $500 deductibles is $1,634
  • Selecting pricier low deductibles will increase the cost to $2,036
  • Unlucky drivers with serious driving violations could pay upwards of $3,528 or more
  • The cost for full coverage for a teenage driver for full coverage may cost $6,168

View Chart as Image

Dodge Charger insurance cost comparison chart
Column chart showing full coverage Dodge Charger insurance rates range from $949 to $6,168

Insurance rates for a Dodge Charger can also vary considerably based on your driver profile, the trim level and model year, and policy deductibles and limits.

A more mature driver with a clean driving record and high deductibles may only pay around $1,500 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay upwards of $6,100 a year. View Rates by Age

Where you live also has a big influence on Dodge Charger insurance rates. A middle-age driver might find rates as low as $1,180 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $2,200 on average in Florida, Michigan, and New York.

Dodge Charger Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,476 -$158 -9.7%
Alaska $1,250 -$384 -23.5%
Arizona $1,354 -$280 -17.1%
Arkansas $1,634 -$0 0.0%
California $1,860 $226 13.8%
Colorado $1,560 -$74 -4.5%
Connecticut $1,678 $44 2.7%
Delaware $1,848 $214 13.1%
Florida $2,040 $406 24.8%
Georgia $1,508 -$126 -7.7%
Hawaii $1,172 -$462 -28.3%
Idaho $1,108 -$526 -32.2%
Illinois $1,218 -$416 -25.5%
Indiana $1,230 -$404 -24.7%
Iowa $1,104 -$530 -32.4%
Kansas $1,550 -$84 -5.1%
Kentucky $2,228 $594 36.4%
Louisiana $2,418 $784 48.0%
Maine $1,008 -$626 -38.3%
Maryland $1,348 -$286 -17.5%
Massachusetts $1,304 -$330 -20.2%
Michigan $2,836 $1,202 73.6%
Minnesota $1,366 -$268 -16.4%
Mississippi $1,956 $322 19.7%
Missouri $1,450 -$184 -11.3%
Montana $1,756 $122 7.5%
Nebraska $1,286 -$348 -21.3%
Nevada $1,958 $324 19.8%
New Hampshire $1,176 -$458 -28.0%
New Jersey $1,826 $192 11.8%
New Mexico $1,446 -$188 -11.5%
New York $1,718 $84 5.1%
North Carolina $940 -$694 -42.5%
North Dakota $1,338 -$296 -18.1%
Ohio $1,128 -$506 -31.0%
Oklahoma $1,676 $42 2.6%
Oregon $1,494 -$140 -8.6%
Pennsylvania $1,558 -$76 -4.7%
Rhode Island $2,180 $546 33.4%
South Carolina $1,480 -$154 -9.4%
South Dakota $1,376 -$258 -15.8%
Tennessee $1,430 -$204 -12.5%
Texas $1,966 $332 20.3%
Utah $1,208 -$426 -26.1%
Vermont $1,118 -$516 -31.6%
Virginia $978 -$656 -40.1%
Washington $1,260 -$374 -22.9%
West Virginia $1,496 -$138 -8.4%
Wisconsin $1,130 -$504 -30.8%
Wyoming $1,456 -$178 -10.9%

View Chart as Image

Dodge Charger insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $610 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $468 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,900 to $2,700 extra per year, depending on your age. Dodge Charger insurance for high-risk drivers is expensive and can cost around 44% to 130% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out exactly what you will pay is to regularly compare rates and see how they stack up. Every auto insurance company calculates rates differently, so the rates can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Dodge Charger Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Dodge Charger 3.5 $1,592 $133
Dodge Charger $1,592 $133
Dodge Charger 3.5 AWD $1,634 $136
Dodge Charger AWD $1,634 $136
Dodge Charger Rallye $1,634 $136
Dodge Charger SXT $1,634 $136
Dodge Charger SXT AWD $1,634 $136
Dodge Charger R/T $1,674 $140
Dodge Charger Rallye AWD $1,674 $140
Dodge Charger R/T AWD $1,716 $143
Dodge Charger SRT-8 $1,756 $146

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.

Dodge Charger Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2023 Dodge Charger $344 $596 $498 $1,638
2022 Dodge Charger $332 $582 $520 $1,634
2021 Dodge Charger $320 $558 $536 $1,614
2020 Dodge Charger $304 $538 $554 $1,596
2019 Dodge Charger $292 $500 $564 $1,556
2018 Dodge Charger $280 $470 $570 $1,520
2017 Dodge Charger $268 $422 $574 $1,464
2016 Dodge Charger $250 $388 $574 $1,412
2015 Dodge Charger $242 $364 $580 $1,386
2014 Dodge Charger $236 $340 $592 $1,368
2013 Dodge Charger $218 $316 $592 $1,326
2012 Dodge Charger $212 $286 $596 $1,294
2011 Dodge Charger $198 $262 $592 $1,252
2010 Dodge Charger $186 $238 $592 $1,216
2009 Dodge Charger $180 $214 $586 $1,180
2008 Dodge Charger $178 $208 $574 $1,160
2007 Dodge Charger $176 $198 $564 $1,138
2006 Dodge Charger $160 $190 $558 $1,108

Rates are averaged for all Dodge Charger models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Low Cost Dodge Charger Insurance

Saving money on auto insurance consists of having a good driving record, maintaining good credit, eliminating unnecessary coverage, and bundling your home and auto policies. Take the time to comparison shop at least once a year by requesting rates from direct companies like GEICO and Progressive, and also from local insurance agents.

The next list is a review of the primary concepts that were touched on in the above illustrations.

  • You may be able to save as much as $190 per year simply by quoting online well ahead of the renewal date
  • Drivers who have several accidents or serious violations may be required to pay an average of $1,890 more each year to buy Dodge Charger insurance
  • Increasing deductibles can save around $600 each year
  • Drivers age 20 and younger pay the highest rates, with premiums as much as $514 per month for full coverage

Rates by Driver Age

Dodge Charger Insurance Rates by Driver Age
Driver Age Premium
16 $6,168
20 $3,764
30 $1,696
40 $1,634
50 $1,492
60 $1,462

Full coverage, $500 deductibles

Rates by Deductible

Dodge Charger Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,036
$250 $1,852
$500 $1,634
$1,000 $1,426

Full coverage, driver age 40

Rates by Liability Limit

Dodge Charger Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,634
50/100 $1,860
100/300 $1,990
250/500 $2,328
100 CSL $1,912
300 CSL $2,198
500 CSL $2,406

Full coverage, driver age 40

Rates for High Risk Drivers

Dodge Charger Insurance Rates for High Risk Drivers
Age Premium
16 $8,784
20 $5,988
30 $3,598
40 $3,528
50 $3,368
60 $3,334

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $226

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $86
Multi-vehicle $86
Homeowner $25
5-yr Accident Free $117
5-yr Claim Free $105
Paid in Full/EFT $72
Advance Quote $79
Online Quote $115
Total Discounts $685
Rate after discounts $949

Discounts are estimated and may not be available from every company or in every state.

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