Dodge Charger Insurance Rates

Estimated auto insurance rates for a Dodge Charger are $1,634 annually for full coverage insurance. Comprehensive insurance costs on average $332, collision costs $582, and liability is estimated at $520. Liability-only coverage costs approximately $592 a year, with high-risk coverage costing $3,528 or more. Teens pay the most at $6,168 a year or more.

Average premium for full coverage: $1,634

Premium estimates by type of coverage:

Estimates include $500 deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for different Charger trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than cities with more traffic congestion.

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

These rate differences illustrate why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, instead of using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $949
• Choosing higher $1,000 deductibles can save around $208 each year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,634
• Selecting more expensive low deductibles for comp and collision coverage costs an additional $402 every year
• Unlucky drivers with serious driving violations could pay upwards of $3,528 or more
• An auto insurance policy with full coverage for a teen driver with full coverage may cost $6,168 each year

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Insurance prices for a Dodge Charger also have a wide range based on the model of your Charger, your risk profile, and policy deductibles and limits.

An older driver with a clean driving record and high physical damage deductibles may pay as little as $1,500 annually on average, or $125 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay upwards of $6,100 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,900 to $2,700 extra annually, depending on your age. High-risk driver insurance ranges as much as 44% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $610 every year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $468 more per year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Dodge Charger insurance prices. A good driver about age 40 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.

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With such a large range in prices, the only way to figure out exactly what you will pay is to compare prices and see which company has the best price. Each auto insurer calculates prices differently, so the prices will be substantially different between companies.

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 Low Cost Dodge Charger Insurance

Finding better rates on car insurance takes not taking risks behind the wheel, having a good credit history, paying for small claims out-of-pocket, and bundling your home and auto policies. Take the time to comparison shop every time your policy renews by quoting rates from direct insurance companies, and also from local exclusive and independent agents.

The following is a review of the information touched on in the above illustrations.

• It is possible to save as much as $190 per year simply by shopping early and online
• Teens pay the highest prices, with premiums being up to $514 per month including comprehensive and collision insurance
• Increasing policy deductibles could save up to $600 each year
• Higher risk drivers who have several accidents or serious violations may pay on average $1,890 more each year for Charger insurance
• Policyholders who require higher liability limits will pay approximately $570 annually to raise limits from 30/60 bodily injury limits to higher 250/500 limits